Call reports 2026
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2026
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 226,697,000 | 229,101,000 |
| Total loans | 146,119,000 | 153,021,000 |
| Allowance for loan losses | 1,964,000 | 2,014,000 |
| Securities available for sale | 25,593,000 | 25,473,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 182,027,000 | 182,702,000 |
| Interest-bearing deposits | 132,002,000 | 134,889,000 |
| Noninterest-bearing deposits | 50,025,000 | 47,813,000 |
| Equity capital | 42,889,000 | 44,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 3,226,000 | 6,729,000 |
| Interest expense | 580,000 | 1,185,000 |
| Net interest income | 2,646,000 | 5,544,000 |
| Noninterest income | 513,000 | 1,069,000 |
| Noninterest expense | 1,481,000 | 3,108,000 |
| Provision for loan losses | 60,000 | 120,000 |
| Pretax income | 1,615,000 | 3,379,000 |
| Income tax | 290,000 | 727,000 |
| Net income | 1,325,000 | 2,652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 44,042,000 | 45,369,000 |
| Total capital | 45,637,000 | 47,025,000 |
| Risk-weighted assets | 127,035,000 | 131,924,000 |