Call reports 2012
WAYNE BANK AND TRUST CO. — 2012
What WAYNE BANK AND TRUST CO. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 150,404,000 | 152,550,000 | 152,698,000 | 154,025,000 |
| Total loans | 113,815,000 | 111,435,000 | 111,547,000 | 110,950,000 |
| Allowance for loan losses | 3,902,000 | 3,465,000 | 3,519,000 | 3,773,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,047,000 | 13,376,000 | 12,995,000 | 12,647,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,923,000 | 120,532,000 | 120,401,000 | 121,417,000 |
| Interest-bearing deposits | 107,547,000 | 109,967,000 | 109,836,000 | 110,652,000 |
| Noninterest-bearing deposits | 10,377,000 | 10,565,000 | 10,565,000 | 10,766,000 |
| Equity capital | 14,949,000 | 15,488,000 | 15,955,000 | 16,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,837,000 | 3,681,000 | 5,508,000 | 7,327,000 |
| Interest expense | 389,000 | 749,000 | 1,087,000 | 1,403,000 |
| Net interest income | 1,448,000 | 2,932,000 | 4,421,000 | 5,924,000 |
| Noninterest income | 252,000 | 419,000 | 767,000 | 961,000 |
| Noninterest expense | 1,297,000 | 2,408,000 | 3,578,000 | 4,721,000 |
| Provision for loan losses | 200,000 | 200,000 | 400,000 | 650,000 |
| Pretax income | 203,000 | 743,000 | 1,210,000 | 1,514,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 203,000 | 743,000 | 1,210,000 | 1,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,949,000 | 15,488,000 | 15,955,000 | 16,260,000 |
| Total capital | 16,318,000 | 16,854,000 | 17,332,000 | 17,633,000 |
| Risk-weighted assets | 109,437,000 | 107,229,000 | 108,013,000 | 107,425,000 |