Call reports 2025
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2025
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 224,620,000 | 222,227,000 | 223,015,000 | 226,527,000 |
| Total loans | 135,621,000 | 141,514,000 | 146,172,000 | 145,557,000 |
| Allowance for loan losses | 1,890,000 | 1,949,000 | 1,922,000 | 1,931,000 |
| Securities available for sale | 25,314,000 | 25,026,000 | 24,982,000 | 24,898,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,725,000 | 180,782,000 | 179,868,000 | 182,979,000 |
| Interest-bearing deposits | 131,415,000 | 131,123,000 | 131,365,000 | 132,619,000 |
| Noninterest-bearing deposits | 53,310,000 | 49,659,000 | 48,503,000 | 50,360,000 |
| Equity capital | 38,094,000 | 39,284,000 | 40,982,000 | 41,634,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,193,000 | 6,560,000 | 9,906,000 | 13,240,000 |
| Interest expense | 604,000 | 1,214,000 | 1,814,000 | 2,416,000 |
| Net interest income | 2,589,000 | 5,346,000 | 8,092,000 | 10,824,000 |
| Noninterest income | 539,000 | 1,056,000 | 1,636,000 | 2,278,000 |
| Noninterest expense | 1,472,000 | 3,015,000 | 4,555,000 | 6,283,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,592,000 | 3,258,000 | 4,981,000 | 6,563,000 |
| Income tax | 289,000 | 706,000 | 1,140,000 | 1,629,000 |
| Net income | 1,303,000 | 2,552,000 | 3,841,000 | 4,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,621,000 | 40,870,000 | 42,159,000 | 42,717,000 |
| Total capital | 41,129,000 | 42,429,000 | 43,752,000 | 44,299,000 |
| Risk-weighted assets | 120,318,000 | 124,366,000 | 127,133,000 | 126,067,000 |