Call reports 2006
WAYNE BANK AND TRUST CO. — 2006
What WAYNE BANK AND TRUST CO. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 124,871,000 | 129,927,000 | 141,104,000 | 144,363,000 |
| Total loans | 89,418,000 | 97,413,000 | 112,034,000 | 112,226,000 |
| Allowance for loan losses | 1,293,000 | 1,297,000 | 1,294,000 | 1,243,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,338,000 | 12,158,000 | 10,848,000 | 10,640,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,904,000 | 111,125,000 | 109,149,000 | 114,439,000 |
| Interest-bearing deposits | 97,161,000 | 102,923,000 | 101,726,000 | 107,153,000 |
| Noninterest-bearing deposits | 8,744,000 | 8,203,000 | 7,423,000 | 7,286,000 |
| Equity capital | 13,571,000 | 13,369,000 | 13,561,000 | 13,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,847,000 | 3,931,000 | 6,117,000 | 9,100,000 |
| Interest expense | 828,000 | 1,829,000 | 2,951,000 | 4,918,000 |
| Net interest income | 1,019,000 | 2,102,000 | 3,166,000 | 4,182,000 |
| Noninterest income | 163,000 | 325,000 | 496,000 | 687,000 |
| Noninterest expense | 815,000 | 1,738,000 | 2,573,000 | 3,513,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 367,000 | 689,000 | 1,089,000 | 1,356,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 367,000 | 689,000 | 1,089,000 | 1,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,571,000 | 13,369,000 | 13,561,000 | 13,653,000 |
| Total capital | 14,655,000 | 14,535,000 | 14,855,000 | 14,896,000 |
| Risk-weighted assets | 86,489,000 | 93,163,000 | 106,911,000 | 107,724,000 |
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