Call reports 2013
WAYNE BANK — 2013
What WAYNE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 679,264,000 | 696,077,000 | 702,208,000 | 710,064,000 |
| Total loans | 478,762,000 | 480,833,000 | 487,108,000 | 503,234,000 |
| Allowance for loan losses | 5,726,000 | 5,749,000 | 5,559,000 | 5,708,000 |
| Securities available for sale | 148,285,000 | 150,423,000 | 150,561,000 | 157,804,000 |
| Securities held to maturity | 173,000 | 173,000 | 174,000 | 174,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 536,476,000 | 550,920,000 | 549,532,000 | 542,388,000 |
| Interest-bearing deposits | 514,369,000 | 523,006,000 | 523,497,000 | 518,002,000 |
| Noninterest-bearing deposits | 22,107,000 | 27,914,000 | 26,035,000 | 24,386,000 |
| Equity capital | 89,136,000 | 86,681,000 | 87,444,000 | 87,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,054,000 | 14,109,000 | 21,252,000 | 28,250,000 |
| Interest expense | 955,000 | 1,868,000 | 2,744,000 | 3,598,000 |
| Net interest income | 6,099,000 | 12,241,000 | 18,508,000 | 24,652,000 |
| Noninterest income | 1,659,000 | 2,618,000 | 3,460,000 | 4,435,000 |
| Noninterest expense | 4,139,000 | 8,213,000 | 12,157,000 | 16,160,000 |
| Provision for loan losses | 800,000 | 1,600,000 | 2,000,000 | 2,400,000 |
| Pretax income | 2,957,000 | 5,438,000 | 8,401,000 | 11,408,000 |
| Income tax | 594,000 | 1,189,000 | 1,982,000 | 2,773,000 |
| Net income | 2,363,000 | 4,249,000 | 6,419,000 | 8,635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,665,000 | 77,577,000 | 78,769,000 | 79,959,000 |
| Total capital | 82,391,000 | 83,326,000 | 84,328,000 | 85,667,000 |
| Risk-weighted assets | 484,716,000 | 487,042,000 | 489,147,000 | 508,249,000 |