Call reports 2002
WAYNE BANK AND TRUST CO. — 2002
What WAYNE BANK AND TRUST CO. 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 | 98,620,000 | 100,628,000 | 101,307,000 | 106,834,000 |
| Total loans | 74,838,000 | 75,339,000 | 77,269,000 | 78,151,000 |
| Allowance for loan losses | 1,105,000 | 1,098,000 | 1,128,000 | 1,153,000 |
| Securities available for sale | 347,000 | 386,000 | 0 | 0 |
| Securities held to maturity | 12,741,000 | 12,442,000 | 12,708,000 | 13,488,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,716,000 | 83,940,000 | 79,946,000 | 80,217,000 |
| Interest-bearing deposits | 71,478,000 | 69,884,000 | 70,799,000 | 72,535,000 |
| Noninterest-bearing deposits | 10,238,000 | 14,056,000 | 9,147,000 | 7,682,000 |
| Equity capital | 12,322,000 | 11,898,000 | 11,807,000 | 12,085,000 |
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 | 1,751,000 | 3,464,000 | 5,211,000 | 6,990,000 |
| Interest expense | 458,000 | 935,000 | 1,432,000 | 1,948,000 |
| Net interest income | 1,293,000 | 2,529,000 | 3,779,000 | 5,042,000 |
| Noninterest income | 238,000 | 368,000 | 807,000 | 1,134,000 |
| Noninterest expense | 549,000 | 1,015,000 | 2,141,000 | 3,020,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 60,000 |
| Pretax income | 982,000 | 1,882,000 | 2,415,000 | 3,096,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 982,000 | 1,882,000 | 2,415,000 | 3,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,322,000 | 11,898,000 | 11,807,000 | 12,085,000 |
| Total capital | 13,183,000 | 12,738,000 | 12,699,000 | 13,036,000 |
| Risk-weighted assets | 65,169,000 | 66,248,000 | 72,024,000 | 75,387,000 |
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