Call reports 2020
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2020
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 150,936,000 | 161,012,000 | 160,963,000 | 182,003,000 |
| Total loans | 94,076,000 | 95,789,000 | 94,755,000 | 93,639,000 |
| Allowance for loan losses | 1,160,000 | 1,226,000 | 1,260,000 | 1,300,000 |
| Securities available for sale | 13,368,000 | 17,841,000 | 17,989,000 | 23,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,169,000 | 132,773,000 | 132,127,000 | 153,325,000 |
| Interest-bearing deposits | 85,139,000 | 89,639,000 | 91,551,000 | 98,581,000 |
| Noninterest-bearing deposits | 39,030,000 | 43,134,000 | 40,576,000 | 54,744,000 |
| Equity capital | 25,148,000 | 26,368,000 | 26,904,000 | 27,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,673,000 | 3,371,000 | 5,028,000 | 6,600,000 |
| Interest expense | 132,000 | 259,000 | 379,000 | 494,000 |
| Net interest income | 1,541,000 | 3,112,000 | 4,649,000 | 6,106,000 |
| Noninterest income | 337,000 | 629,000 | 949,000 | 1,330,000 |
| Noninterest expense | 1,103,000 | 2,168,000 | 3,285,000 | 4,365,000 |
| Provision for loan losses | 65,000 | 165,000 | 225,000 | 260,000 |
| Pretax income | 708,000 | 1,419,000 | 2,078,000 | 2,774,000 |
| Income tax | 131,000 | 275,000 | 435,000 | 579,000 |
| Net income | 577,000 | 1,144,000 | 1,643,000 | 2,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,455,000 | 26,022,000 | 26,521,000 | 26,745,000 |
| Total capital | 26,529,000 | 27,131,000 | 27,606,000 | 27,818,000 |
| Risk-weighted assets | 85,892,000 | 88,615,000 | 86,679,000 | 85,663,000 |