Call reports 2008
WAYNE BANK — 2008
What WAYNE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 484,658,000 | 491,790,000 | 498,704,000 | 504,212,000 |
| Total loans | 329,573,000 | 332,949,000 | 341,399,000 | 349,569,000 |
| Allowance for loan losses | 4,137,000 | 4,237,000 | 4,331,000 | 4,233,000 |
| Securities available for sale | 129,989,000 | 130,257,000 | 127,730,000 | 129,667,000 |
| Securities held to maturity | 706,000 | 706,000 | 706,000 | 707,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 371,292,000 | 365,471,000 | 360,691,000 | 359,851,000 |
| Interest-bearing deposits | 355,600,000 | 348,992,000 | 343,881,000 | 345,222,000 |
| Noninterest-bearing deposits | 15,692,000 | 16,479,000 | 16,810,000 | 14,629,000 |
| Equity capital | 55,402,000 | 54,689,000 | 54,888,000 | 57,440,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,142,000 | 14,090,000 | 21,141,000 | 28,070,000 |
| Interest expense | 2,825,000 | 5,203,000 | 7,488,000 | 9,694,000 |
| Net interest income | 4,317,000 | 8,887,000 | 13,653,000 | 18,376,000 |
| Noninterest income | 1,276,000 | 2,190,000 | 2,685,000 | 3,578,000 |
| Noninterest expense | 2,923,000 | 5,823,000 | 8,650,000 | 11,562,000 |
| Provision for loan losses | 75,000 | 185,000 | 315,000 | 735,000 |
| Pretax income | 2,595,000 | 5,113,000 | 7,417,000 | 9,701,000 |
| Income tax | 784,000 | 1,536,000 | 2,215,000 | 2,891,000 |
| Net income | 1,811,000 | 3,577,000 | 5,202,000 | 6,810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,600,000 | 54,385,000 | 55,228,000 | 56,051,000 |
| Total capital | 58,075,000 | 58,865,000 | 59,887,000 | 60,577,000 |
| Risk-weighted assets | 337,109,000 | 341,015,000 | 348,374,000 | 351,323,000 |
Machine access — free, no API key
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