Call reports 2007
WAYNE BANK AND TRUST CO. — 2007
What WAYNE BANK AND TRUST CO. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 148,659,000 | 148,347,000 | 148,153,000 | 147,847,000 |
| Total loans | 113,812,000 | 112,198,000 | 115,047,000 | 116,487,000 |
| Allowance for loan losses | 1,291,000 | 1,244,000 | 1,109,000 | 1,129,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,784,000 | 9,779,000 | 8,548,000 | 8,949,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,997,000 | 119,816,000 | 117,527,000 | 117,984,000 |
| Interest-bearing deposits | 111,711,000 | 112,680,000 | 109,750,000 | 106,896,000 |
| Noninterest-bearing deposits | 7,286,000 | 7,136,000 | 7,777,000 | 11,088,000 |
| Equity capital | 14,113,000 | 13,754,000 | 14,020,000 | 14,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,511,000 | 5,095,000 | 7,636,000 | 10,123,000 |
| Interest expense | 1,409,000 | 2,846,000 | 4,228,000 | 5,479,000 |
| Net interest income | 1,102,000 | 2,249,000 | 3,408,000 | 4,644,000 |
| Noninterest income | 156,000 | 342,000 | 527,000 | 720,000 |
| Noninterest expense | 776,000 | 1,648,000 | 2,496,000 | 3,525,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 150,000 |
| Pretax income | 452,000 | 883,000 | 1,349,000 | 1,689,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 452,000 | 883,000 | 1,349,000 | 1,689,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,113,000 | 13,754,000 | 14,020,000 | 14,235,000 |
| Total capital | 15,404,000 | 14,998,000 | 15,129,000 | 15,364,000 |
| Risk-weighted assets | 117,153,000 | 116,167,000 | 119,513,000 | 119,889,000 |
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