Call reports 2010
WAYNE BANK — 2010
What WAYNE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 526,242,000 | 546,405,000 | 534,304,000 | 536,825,000 |
| Total loans | 357,696,000 | 354,042,000 | 358,464,000 | 356,955,000 |
| Allowance for loan losses | 5,362,000 | 5,421,000 | 5,513,000 | 5,616,000 |
| Securities available for sale | 125,238,000 | 140,832,000 | 138,897,000 | 145,557,000 |
| Securities held to maturity | 169,000 | 169,000 | 169,000 | 170,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 391,748,000 | 407,891,000 | 398,785,000 | 394,211,000 |
| Interest-bearing deposits | 375,456,000 | 387,907,000 | 380,219,000 | 375,232,000 |
| Noninterest-bearing deposits | 16,292,000 | 19,984,000 | 18,566,000 | 18,979,000 |
| Equity capital | 63,750,000 | 65,342,000 | 67,014,000 | 66,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,637,000 | 13,010,000 | 19,402,000 | 25,669,000 |
| Interest expense | 1,644,000 | 3,189,000 | 4,667,000 | 6,023,000 |
| Net interest income | 4,993,000 | 9,821,000 | 14,735,000 | 19,646,000 |
| Noninterest income | 844,000 | 1,795,000 | 2,677,000 | 3,633,000 |
| Noninterest expense | 3,097,000 | 6,221,000 | 9,313,000 | 12,458,000 |
| Provision for loan losses | 330,000 | 480,000 | 730,000 | 1,000,000 |
| Pretax income | 2,565,000 | 5,134,000 | 7,749,000 | 10,203,000 |
| Income tax | 729,000 | 1,446,000 | 2,154,000 | 2,731,000 |
| Net income | 1,836,000 | 3,688,000 | 5,595,000 | 7,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,583,000 | 62,709,000 | 63,899,000 | 65,027,000 |
| Total capital | 66,282,000 | 67,380,000 | 68,561,000 | 69,713,000 |
| Risk-weighted assets | 360,225,000 | 359,275,000 | 361,053,000 | 362,436,000 |
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