Call reports 2021
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2021
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 186,221,000 | 183,164,000 | 182,355,000 | 199,035,000 |
| Total loans | 92,204,000 | 94,590,000 | 97,071,000 | 100,189,000 |
| Allowance for loan losses | 1,379,000 | 1,441,000 | 1,501,000 | 1,400,000 |
| Securities available for sale | 27,283,000 | 30,268,000 | 29,459,000 | 29,730,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,868,000 | 152,931,000 | 151,540,000 | 169,332,000 |
| Interest-bearing deposits | 104,308,000 | 103,446,000 | 103,548,000 | 106,986,000 |
| Noninterest-bearing deposits | 52,560,000 | 49,485,000 | 47,992,000 | 62,346,000 |
| Equity capital | 27,737,000 | 28,567,000 | 28,989,000 | 28,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,514,000 | 3,447,000 | 5,075,000 | 6,723,000 |
| Interest expense | 98,000 | 183,000 | 261,000 | 338,000 |
| Net interest income | 1,416,000 | 3,264,000 | 4,814,000 | 6,385,000 |
| Noninterest income | 445,000 | 852,000 | 1,270,000 | 1,768,000 |
| Noninterest expense | 1,089,000 | 2,167,000 | 3,322,000 | 4,630,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 73,000 |
| Pretax income | 687,000 | 1,777,000 | 2,507,000 | 3,350,000 |
| Income tax | 143,000 | 325,000 | 480,000 | 786,000 |
| Net income | 544,000 | 1,452,000 | 2,027,000 | 2,564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,290,000 | 28,197,000 | 28,520,000 | 28,065,000 |
| Total capital | 28,364,000 | 29,323,000 | 29,675,000 | 29,250,000 |
| Risk-weighted assets | 85,662,000 | 89,793,000 | 92,069,000 | 94,611,000 |