Call reports 2007
WAYNE BANK — 2007
What WAYNE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 462,072,000 | 474,044,000 | 473,029,000 | 480,521,000 |
| Total loans | 320,980,000 | 321,885,000 | 328,804,000 | 331,507,000 |
| Allowance for loan losses | 3,871,000 | 3,900,000 | 3,979,000 | 4,081,000 |
| Securities available for sale | 111,720,000 | 115,536,000 | 117,999,000 | 123,318,000 |
| Securities held to maturity | 955,000 | 955,000 | 705,000 | 706,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,199,000 | 373,885,000 | 367,555,000 | 370,149,000 |
| Interest-bearing deposits | 344,918,000 | 356,189,000 | 352,262,000 | 353,918,000 |
| Noninterest-bearing deposits | 15,281,000 | 17,696,000 | 15,293,000 | 16,231,000 |
| Equity capital | 51,925,000 | 52,011,000 | 53,753,000 | 54,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,072,000 | 14,309,000 | 21,761,000 | 29,226,000 |
| Interest expense | 2,987,000 | 5,947,000 | 8,913,000 | 11,984,000 |
| Net interest income | 4,085,000 | 8,362,000 | 12,848,000 | 17,242,000 |
| Noninterest income | 916,000 | 1,772,000 | 2,699,000 | 3,557,000 |
| Noninterest expense | 2,842,000 | 5,646,000 | 8,422,000 | 11,234,000 |
| Provision for loan losses | 50,000 | 105,000 | 195,000 | 315,000 |
| Pretax income | 2,109,000 | 4,383,000 | 6,930,000 | 9,252,000 |
| Income tax | 620,000 | 1,299,000 | 2,024,000 | 2,653,000 |
| Net income | 1,489,000 | 3,084,000 | 4,906,000 | 6,599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,744,000 | 52,280,000 | 53,277,000 | 53,545,000 |
| Total capital | 55,980,000 | 56,534,000 | 57,596,000 | 57,968,000 |
| Risk-weighted assets | 332,072,000 | 330,207,000 | 330,191,000 | 332,552,000 |
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