Call reports 2012
WAYNE BANK — 2012
What WAYNE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 684,210,000 | 683,575,000 | 697,199,000 | 670,822,000 |
| Total loans | 479,174,000 | 479,526,000 | 479,606,000 | 476,809,000 |
| Allowance for loan losses | 5,618,000 | 5,775,000 | 5,341,000 | 5,502,000 |
| Securities available for sale | 148,280,000 | 144,507,000 | 147,238,000 | 145,071,000 |
| Securities held to maturity | 171,000 | 172,000 | 172,000 | 173,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 547,091,000 | 535,057,000 | 542,243,000 | 525,545,000 |
| Interest-bearing deposits | 525,558,000 | 509,555,000 | 517,637,000 | 502,770,000 |
| Noninterest-bearing deposits | 21,533,000 | 25,502,000 | 24,606,000 | 22,775,000 |
| Equity capital | 85,323,000 | 86,691,000 | 88,427,000 | 88,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,404,000 | 14,846,000 | 22,253,000 | 29,407,000 |
| Interest expense | 1,216,000 | 2,414,000 | 3,571,000 | 4,649,000 |
| Net interest income | 6,188,000 | 12,432,000 | 18,682,000 | 24,758,000 |
| Noninterest income | 777,000 | 1,627,000 | 2,828,000 | 3,839,000 |
| Noninterest expense | 3,941,000 | 7,762,000 | 11,886,000 | 15,873,000 |
| Provision for loan losses | 350,000 | 750,000 | 1,650,000 | 2,450,000 |
| Pretax income | 3,003,000 | 6,161,000 | 9,220,000 | 11,620,000 |
| Income tax | 800,000 | 1,641,000 | 2,472,000 | 3,074,000 |
| Net income | 2,203,000 | 4,520,000 | 6,748,000 | 8,546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,675,000 | 73,082,000 | 74,396,000 | 75,245,000 |
| Total capital | 77,293,000 | 78,857,000 | 79,737,000 | 80,747,000 |
| Risk-weighted assets | 487,312,000 | 484,879,000 | 485,703,000 | 482,447,000 |