Call reports 2010
WAYNE BANK AND TRUST CO. — 2010
What WAYNE BANK AND TRUST CO. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 156,097,000 | 155,354,000 | 156,416,000 | 156,203,000 |
| Total loans | 125,931,000 | 124,551,000 | 126,754,000 | 122,538,000 |
| Allowance for loan losses | 1,582,000 | 1,481,000 | 1,534,000 | 2,488,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,078,000 | 8,801,000 | 9,065,000 | 9,258,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,169,000 | 118,508,000 | 120,688,000 | 121,141,000 |
| Interest-bearing deposits | 110,590,000 | 109,929,000 | 111,803,000 | 112,257,000 |
| Noninterest-bearing deposits | 8,579,000 | 8,579,000 | 8,884,000 | 8,884,000 |
| Equity capital | 16,329,000 | 16,259,000 | 16,657,000 | 16,128,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,191,000 | 4,355,000 | 6,539,000 | 8,932,000 |
| Interest expense | 720,000 | 1,393,000 | 2,038,000 | 2,641,000 |
| Net interest income | 1,471,000 | 2,962,000 | 4,501,000 | 6,291,000 |
| Noninterest income | 219,000 | 416,000 | 641,000 | 955,000 |
| Noninterest expense | 1,008,000 | 2,138,000 | 3,116,000 | 4,524,000 |
| Provision for loan losses | 175,000 | 350,000 | 525,000 | 1,750,000 |
| Pretax income | 507,000 | 890,000 | 1,501,000 | 972,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 507,000 | 890,000 | 1,501,000 | 972,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,329,000 | 16,259,000 | 16,657,000 | 16,128,000 |
| Total capital | 17,911,000 | 17,710,000 | 18,124,000 | 17,576,000 |
| Risk-weighted assets | 129,293,000 | 127,921,000 | 124,432,000 | 120,148,000 |