Call reports 2003
WAYNE BANK AND TRUST CO. — 2003
What WAYNE BANK AND TRUST CO. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 113,181,000 | 115,696,000 | 119,121,000 | 119,044,000 |
| Total loans | 81,635,000 | 85,884,000 | 93,809,000 | 90,628,000 |
| Allowance for loan losses | 1,156,000 | 1,175,000 | 1,190,000 | 1,169,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,245,000 | 14,972,000 | 14,767,000 | 14,755,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,862,000 | 88,307,000 | 91,497,000 | 93,061,000 |
| Interest-bearing deposits | 78,493,000 | 79,686,000 | 83,335,000 | 85,731,000 |
| Noninterest-bearing deposits | 7,369,000 | 8,621,000 | 8,162,000 | 7,330,000 |
| Equity capital | 12,871,000 | 12,847,000 | 12,691,000 | 12,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,718,000 | 3,534,000 | 5,463,000 | 7,251,000 |
| Interest expense | 545,000 | 1,091,000 | 1,648,000 | 2,221,000 |
| Net interest income | 1,173,000 | 2,443,000 | 3,815,000 | 5,030,000 |
| Noninterest income | 315,000 | 828,000 | 1,064,000 | 1,306,000 |
| Noninterest expense | 672,000 | 1,402,000 | 2,448,000 | 3,345,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 786,000 | 1,809,000 | 2,341,000 | 2,871,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 786,000 | 1,809,000 | 2,341,000 | 2,871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,871,000 | 12,847,000 | 12,691,000 | 12,949,000 |
| Total capital | 13,857,000 | 13,876,000 | 13,774,000 | 14,018,000 |
| Risk-weighted assets | 78,740,000 | 82,197,000 | 86,554,000 | 85,390,000 |
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