Call reports 2005
WAYNE BANK AND TRUST CO. — 2005
What WAYNE BANK AND TRUST CO. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 119,200,000 | 121,053,000 | 118,859,000 | 117,546,000 |
| Total loans | 92,906,000 | 90,892,000 | 90,672,000 | 88,462,000 |
| Allowance for loan losses | 1,218,000 | 1,251,000 | 1,278,000 | 1,300,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,401,000 | 12,192,000 | 11,871,000 | 13,358,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,201,000 | 97,418,000 | 98,106,000 | 98,758,000 |
| Interest-bearing deposits | 86,784,000 | 89,047,000 | 90,004,000 | 90,681,000 |
| Noninterest-bearing deposits | 8,416,000 | 8,371,000 | 8,102,000 | 8,077,000 |
| Equity capital | 14,476,000 | 14,101,000 | 14,198,000 | 13,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,823,000 | 3,606,000 | 5,449,000 | 7,328,000 |
| Interest expense | 550,000 | 1,145,000 | 1,826,000 | 2,571,000 |
| Net interest income | 1,273,000 | 2,461,000 | 3,623,000 | 4,757,000 |
| Noninterest income | 153,000 | 311,000 | 506,000 | 663,000 |
| Noninterest expense | 807,000 | 1,602,000 | 2,510,000 | 3,629,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 589,000 | 1,110,000 | 1,527,000 | 1,669,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 589,000 | 1,110,000 | 1,527,000 | 1,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,476,000 | 14,101,000 | 14,198,000 | 13,204,000 |
| Total capital | 15,607,000 | 15,222,000 | 15,291,000 | 14,247,000 |
| Risk-weighted assets | 90,403,000 | 89,551,000 | 87,270,000 | 83,243,000 |
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