Call reports 2009
WAYNE BANK AND TRUST CO. — 2009
What WAYNE BANK AND TRUST CO. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 147,626,000 | 148,529,000 | 150,447,000 | 153,953,000 |
| Total loans | 124,817,000 | 124,934,000 | 124,774,000 | 125,568,000 |
| Allowance for loan losses | 1,328,000 | 1,290,000 | 1,337,000 | 1,434,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,123,000 | 7,104,000 | 7,060,000 | 7,988,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,109,000 | 112,387,000 | 113,857,000 | 117,388,000 |
| Interest-bearing deposits | 103,469,000 | 104,509,000 | 107,022,000 | 110,553,000 |
| Noninterest-bearing deposits | 7,640,000 | 7,878,000 | 6,836,000 | 6,836,000 |
| Equity capital | 15,421,000 | 15,224,000 | 15,616,000 | 15,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,329,000 | 4,593,000 | 6,916,000 | 9,161,000 |
| Interest expense | 727,000 | 1,477,000 | 2,238,000 | 2,971,000 |
| Net interest income | 1,602,000 | 3,116,000 | 4,678,000 | 6,190,000 |
| Noninterest income | 282,000 | 515,000 | 773,000 | 933,000 |
| Noninterest expense | 887,000 | 1,868,000 | 3,025,000 | 4,160,000 |
| Provision for loan losses | 60,000 | 220,000 | 280,000 | 440,000 |
| Pretax income | 937,000 | 1,541,000 | 2,144,000 | 2,511,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 937,000 | 1,541,000 | 2,144,000 | 2,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,421,000 | 15,224,000 | 15,616,000 | 15,822,000 |
| Total capital | 16,749,000 | 16,514,000 | 16,953,000 | 17,256,000 |
| Risk-weighted assets | 121,548,000 | 123,668,000 | 127,273,000 | 128,649,000 |