Call reports 2022
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2022
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 202,680,000 | 203,893,000 | 197,916,000 | 201,635,000 |
| Total loans | 99,256,000 | 105,038,000 | 109,129,000 | 112,749,000 |
| Allowance for loan losses | 1,456,000 | 1,522,000 | 1,561,000 | 1,542,000 |
| Securities available for sale | 27,812,000 | 27,032,000 | 26,274,000 | 26,404,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,490,000 | 174,707,000 | 168,364,000 | 171,825,000 |
| Interest-bearing deposits | 116,130,000 | 116,476,000 | 110,175,000 | 107,348,000 |
| Noninterest-bearing deposits | 57,360,000 | 58,231,000 | 58,189,000 | 64,477,000 |
| Equity capital | 27,844,000 | 27,717,000 | 27,933,000 | 28,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,697,000 | 3,586,000 | 5,707,000 | 8,130,000 |
| Interest expense | 77,000 | 154,000 | 224,000 | 341,000 |
| Net interest income | 1,620,000 | 3,432,000 | 5,483,000 | 7,789,000 |
| Noninterest income | 398,000 | 861,000 | 1,322,000 | 1,781,000 |
| Noninterest expense | 1,171,000 | 2,404,000 | 3,736,000 | 5,241,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 191,000 |
| Pretax income | 771,000 | 1,737,000 | 2,847,000 | 4,087,000 |
| Income tax | 147,000 | 367,000 | 637,000 | 978,000 |
| Net income | 624,000 | 1,370,000 | 2,210,000 | 3,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,689,000 | 29,435,000 | 30,275,000 | 30,759,000 |
| Total capital | 29,874,000 | 30,686,000 | 31,559,000 | 32,075,000 |
| Risk-weighted assets | 94,603,000 | 99,830,000 | 102,458,000 | 105,116,000 |