Call reports 2023
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2023
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 203,797,000 | 207,516,000 | 197,174,000 | 207,054,000 |
| Total loans | 111,891,000 | 117,702,000 | 122,598,000 | 123,717,000 |
| Allowance for loan losses | 1,587,000 | 1,608,000 | 1,664,000 | 1,735,000 |
| Securities available for sale | 26,591,000 | 26,019,000 | 24,923,000 | 26,652,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,304,000 | 174,835,000 | 163,788,000 | 172,316,000 |
| Interest-bearing deposits | 111,018,000 | 116,321,000 | 111,257,000 | 114,473,000 |
| Noninterest-bearing deposits | 61,286,000 | 58,514,000 | 52,531,000 | 57,843,000 |
| Equity capital | 30,193,000 | 31,122,000 | 31,579,000 | 32,792,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,513,000 | 5,267,000 | 8,005,000 | 10,912,000 |
| Interest expense | 197,000 | 464,000 | 820,000 | 1,231,000 |
| Net interest income | 2,316,000 | 4,803,000 | 7,185,000 | 9,681,000 |
| Noninterest income | 459,000 | 955,000 | 1,479,000 | 2,032,000 |
| Noninterest expense | 1,234,000 | 2,646,000 | 4,015,000 | 5,510,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,473,000 | 2,975,000 | 4,444,000 | 5,932,000 |
| Income tax | 266,000 | 650,000 | 1,124,000 | 1,602,000 |
| Net income | 1,207,000 | 2,325,000 | 3,320,000 | 4,330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,966,000 | 33,084,000 | 34,079,000 | 34,444,000 |
| Total capital | 33,273,000 | 34,450,000 | 35,491,000 | 35,864,000 |
| Risk-weighted assets | 104,327,000 | 109,073,000 | 112,742,000 | 113,309,000 |