Call reports 2004
WAYNE BANK AND TRUST CO. — 2004
What WAYNE BANK AND TRUST CO. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 118,354,000 | 120,650,000 | 122,054,000 | 121,473,000 |
| Total loans | 86,568,000 | 86,719,000 | 88,413,000 | 93,653,000 |
| Allowance for loan losses | 1,196,000 | 1,226,000 | 1,225,000 | 1,197,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,930,000 | 13,921,000 | 13,514,000 | 13,418,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,209,000 | 97,210,000 | 97,928,000 | 97,099,000 |
| Interest-bearing deposits | 86,291,000 | 87,993,000 | 88,808,000 | 86,628,000 |
| Noninterest-bearing deposits | 7,919,000 | 9,217,000 | 9,120,000 | 10,471,000 |
| Equity capital | 13,588,000 | 13,088,000 | 13,602,000 | 13,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,662,000 | 3,352,000 | 5,326,000 | 7,128,000 |
| Interest expense | 557,000 | 1,113,000 | 1,672,000 | 2,217,000 |
| Net interest income | 1,105,000 | 2,239,000 | 3,654,000 | 4,911,000 |
| Noninterest income | 441,000 | 470,000 | 819,000 | 989,000 |
| Noninterest expense | 876,000 | 1,673,000 | 2,389,000 | 3,324,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 150,000 |
| Pretax income | 639,000 | 975,000 | 1,992,000 | 2,424,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 639,000 | 975,000 | 1,992,000 | 2,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,588,000 | 13,088,000 | 13,602,000 | 13,886,000 |
| Total capital | 14,653,000 | 14,143,000 | 14,686,000 | 15,009,000 |
| Risk-weighted assets | 85,058,000 | 84,197,000 | 86,613,000 | 89,788,000 |
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