Call reports 2002
WNB BANK — 2002
What WNB BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 285,383,000 | 288,387,000 | 290,060,000 | 303,301,000 |
| Total loans | 211,558,000 | 218,870,000 | 217,491,000 | 231,831,000 |
| Allowance for loan losses | 2,401,000 | 2,419,000 | 2,268,000 | 2,360,000 |
| Securities available for sale | 51,475,000 | 46,732,000 | 45,699,000 | 45,605,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,717,000 | 222,548,000 | 219,844,000 | 220,946,000 |
| Interest-bearing deposits | 183,491,000 | 185,957,000 | 182,959,000 | 183,758,000 |
| Noninterest-bearing deposits | 35,226,000 | 36,591,000 | 36,885,000 | 37,188,000 |
| Equity capital | 29,554,000 | 31,320,000 | 31,451,000 | 31,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,884,000 | 9,852,000 | 14,741,000 | 19,513,000 |
| Interest expense | 1,774,000 | 3,473,000 | 5,071,000 | 6,546,000 |
| Net interest income | 3,110,000 | 6,379,000 | 9,670,000 | 12,967,000 |
| Noninterest income | 549,000 | 1,148,000 | 1,795,000 | 2,443,000 |
| Noninterest expense | 1,844,000 | 3,812,000 | 5,813,000 | 7,806,000 |
| Provision for loan losses | 75,000 | 150,000 | 435,000 | 670,000 |
| Pretax income | 1,740,000 | 3,565,000 | 5,217,000 | 6,934,000 |
| Income tax | 468,000 | 960,000 | 1,413,000 | 1,860,000 |
| Net income | 1,272,000 | 2,605,000 | 3,804,000 | 5,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,226,000 | 30,559,000 | 30,758,000 | 30,928,000 |
| Total capital | 31,627,000 | 32,978,000 | 33,026,000 | 33,288,000 |
| Risk-weighted assets | 201,663,000 | 208,346,000 | 209,397,000 | 216,809,000 |