Call reports 2013
WAYNE BANK AND TRUST CO. — 2013
What WAYNE BANK AND TRUST CO. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 155,765,000 | 154,079,000 | 151,280,000 | 134,235,000 |
| Total loans | 111,669,000 | 109,082,000 | 107,116,000 | 98,388,000 |
| Allowance for loan losses | 3,909,000 | 4,308,000 | 4,083,000 | 3,253,000 |
| Securities available for sale | 0 | 0 | 964,000 | 1,210,000 |
| Securities held to maturity | 12,181,000 | 11,915,000 | 14,501,000 | 15,341,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,733,000 | 124,653,000 | 121,824,000 | 117,118,000 |
| Interest-bearing deposits | 112,968,000 | 113,088,000 | 108,351,000 | 105,505,000 |
| Noninterest-bearing deposits | 10,766,000 | 11,565,000 | 13,473,000 | 11,614,000 |
| Equity capital | 16,277,000 | 16,231,000 | 16,699,000 | 15,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,667,000 | 3,314,000 | 4,900,000 | 6,296,000 |
| Interest expense | 287,000 | 529,000 | 727,000 | 651,000 |
| Net interest income | 1,380,000 | 2,785,000 | 4,173,000 | 5,645,000 |
| Noninterest income | 89,000 | 302,000 | 365,000 | 357,000 |
| Noninterest expense | 1,274,000 | 2,488,000 | 3,471,000 | 4,898,000 |
| Provision for loan losses | 175,000 | 625,000 | 625,000 | 1,553,000 |
| Pretax income | 18,000 | -28,000 | 440,000 | -451,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 18,000 | -28,000 | 440,000 | -451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,277,000 | 16,231,000 | 16,699,000 | 15,799,000 |
| Total capital | 17,649,000 | 17,572,000 | 18,010,000 | 17,040,000 |
| Risk-weighted assets | 107,236,000 | 104,278,000 | 102,137,000 | 97,276,000 |