Call reports 2008
WAYNE BANK AND TRUST CO. — 2008
What WAYNE BANK AND TRUST CO. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 144,241,000 | 142,807,000 | 143,570,000 | 145,073,000 |
| Total loans | 115,596,000 | 119,036,000 | 120,226,000 | 124,314,000 |
| Allowance for loan losses | 1,185,000 | 1,274,000 | 1,262,000 | 1,297,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,162,000 | 11,833,000 | 10,417,000 | 7,983,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,743,000 | 113,131,000 | 110,554,000 | 108,456,000 |
| Interest-bearing deposits | 106,559,000 | 105,359,000 | 103,079,000 | 100,982,000 |
| Noninterest-bearing deposits | 7,185,000 | 7,772,000 | 7,474,000 | 7,474,000 |
| Equity capital | 14,773,000 | 13,968,000 | 14,451,000 | 14,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,410,000 | 4,742,000 | 7,101,000 | 9,385,000 |
| Interest expense | 984,000 | 1,684,000 | 2,484,000 | 3,201,000 |
| Net interest income | 1,426,000 | 3,058,000 | 4,617,000 | 6,184,000 |
| Noninterest income | 237,000 | 415,000 | 607,000 | 801,000 |
| Noninterest expense | 880,000 | 1,806,000 | 2,747,000 | 3,986,000 |
| Provision for loan losses | 60,000 | 220,000 | 280,000 | 340,000 |
| Pretax income | 723,000 | 1,447,000 | 2,197,000 | 2,658,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 723,000 | 1,447,000 | 2,197,000 | 2,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,773,000 | 13,968,000 | 14,451,000 | 14,484,000 |
| Total capital | 15,958,000 | 15,242,000 | 15,713,000 | 15,781,000 |
| Risk-weighted assets | 118,157,000 | 119,389,000 | 117,536,000 | 119,101,000 |
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