Call reports 2011
WAYNE BANK AND TRUST CO. — 2011
What WAYNE BANK AND TRUST CO. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 156,018,000 | 156,347,000 | 153,161,000 | 149,546,000 |
| Total loans | 119,398,000 | 119,463,000 | 117,731,000 | 114,860,000 |
| Allowance for loan losses | 2,477,000 | 1,617,000 | 2,615,000 | 4,020,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,730,000 | 12,865,000 | 12,598,000 | 13,441,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,158,000 | 121,973,000 | 119,175,000 | 116,966,000 |
| Interest-bearing deposits | 111,590,000 | 112,602,000 | 108,953,000 | 106,744,000 |
| Noninterest-bearing deposits | 9,568,000 | 9,371,000 | 10,222,000 | 10,222,000 |
| Equity capital | 16,698,000 | 16,397,000 | 16,098,000 | 14,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,054,000 | 3,989,000 | 5,941,000 | 7,836,000 |
| Interest expense | 528,000 | 984,000 | 1,424,000 | 1,820,000 |
| Net interest income | 1,526,000 | 3,005,000 | 4,517,000 | 6,016,000 |
| Noninterest income | 248,000 | 444,000 | 708,000 | 965,000 |
| Noninterest expense | 1,129,000 | 2,184,000 | 3,209,000 | 4,317,000 |
| Provision for loan losses | 75,000 | 350,000 | 1,400,000 | 3,400,000 |
| Pretax income | 570,000 | 915,000 | 616,000 | -737,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 570,000 | 915,000 | 616,000 | -737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,698,000 | 16,397,000 | 16,098,000 | 14,745,000 |
| Total capital | 18,125,000 | 17,817,000 | 17,502,000 | 16,122,000 |
| Risk-weighted assets | 116,817,000 | 116,201,000 | 114,015,000 | 110,482,000 |