Call reports 2009
WAYNE BANK — 2009
What WAYNE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 511,485,000 | 507,962,000 | 514,313,000 | 529,098,000 |
| Total loans | 351,584,000 | 360,733,000 | 359,612,000 | 363,593,000 |
| Allowance for loan losses | 4,413,000 | 4,574,000 | 4,663,000 | 5,453,000 |
| Securities available for sale | 123,860,000 | 122,216,000 | 125,953,000 | 130,173,000 |
| Securities held to maturity | 707,000 | 708,000 | 708,000 | 708,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,513,000 | 374,434,000 | 383,364,000 | 392,170,000 |
| Interest-bearing deposits | 354,200,000 | 357,005,000 | 366,705,000 | 373,936,000 |
| Noninterest-bearing deposits | 16,313,000 | 17,429,000 | 16,659,000 | 18,234,000 |
| Equity capital | 59,027,000 | 59,730,000 | 62,057,000 | 62,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,683,000 | 13,423,000 | 20,099,000 | 26,815,000 |
| Interest expense | 2,009,000 | 3,916,000 | 5,831,000 | 7,725,000 |
| Net interest income | 4,674,000 | 9,507,000 | 14,268,000 | 19,090,000 |
| Noninterest income | 1,060,000 | 2,061,000 | 2,871,000 | 4,480,000 |
| Noninterest expense | 3,173,000 | 6,445,000 | 9,467,000 | 12,851,000 |
| Provision for loan losses | 225,000 | 445,000 | 585,000 | 1,685,000 |
| Pretax income | 2,600,000 | 5,114,000 | 7,613,000 | 9,630,000 |
| Income tax | 770,000 | 1,501,000 | 2,206,000 | 2,375,000 |
| Net income | 1,830,000 | 3,613,000 | 5,407,000 | 7,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,185,000 | 58,272,000 | 59,366,000 | 60,469,000 |
| Total capital | 61,754,000 | 62,948,000 | 64,041,000 | 65,198,000 |
| Risk-weighted assets | 351,857,000 | 359,521,000 | 360,167,000 | 365,342,000 |
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