Call reports 2024
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2024
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 210,376,000 | 207,885,000 | 207,911,000 | 219,749,000 |
| Total loans | 127,624,000 | 131,510,000 | 137,376,000 | 136,223,000 |
| Allowance for loan losses | 1,747,000 | 1,784,000 | 1,855,000 | 1,800,000 |
| Securities available for sale | 26,222,000 | 26,037,000 | 26,497,000 | 25,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,575,000 | 170,612,000 | 169,225,000 | 181,417,000 |
| Interest-bearing deposits | 125,543,000 | 123,639,000 | 124,385,000 | 127,934,000 |
| Noninterest-bearing deposits | 49,032,000 | 46,973,000 | 44,840,000 | 53,483,000 |
| Equity capital | 33,970,000 | 35,169,000 | 36,390,000 | 36,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,997,000 | 6,103,000 | 9,209,000 | 12,347,000 |
| Interest expense | 467,000 | 1,029,000 | 1,590,000 | 2,193,000 |
| Net interest income | 2,530,000 | 5,074,000 | 7,619,000 | 10,154,000 |
| Noninterest income | 496,000 | 1,006,000 | 1,499,000 | 2,269,000 |
| Noninterest expense | 1,355,000 | 2,770,000 | 4,176,000 | 5,824,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,605,000 | 3,178,000 | 4,745,000 | 6,338,000 |
| Income tax | 296,000 | 671,000 | 1,096,000 | 1,522,000 |
| Net income | 1,309,000 | 2,507,000 | 3,649,000 | 4,816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,753,000 | 36,952,000 | 37,687,000 | 38,318,000 |
| Total capital | 37,214,000 | 38,447,000 | 39,238,000 | 39,849,000 |
| Risk-weighted assets | 116,594,000 | 119,385,000 | 123,777,000 | 122,262,000 |