Call reports 2007
WAYNE COUNTY BANK — 2007
What WAYNE COUNTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 185,489,000 | 191,074,000 | 198,225,000 | 204,104,000 |
| Total loans | 144,868,000 | 153,417,000 | 157,967,000 | 162,172,000 |
| Allowance for loan losses | 4,393,000 | 4,280,000 | 4,246,000 | 4,203,000 |
| Securities available for sale | 17,501,000 | 16,820,000 | 16,738,000 | 16,895,000 |
| Securities held to maturity | 1,364,000 | 1,259,000 | 1,209,000 | 1,109,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,637,000 | 150,932,000 | 157,286,000 | 163,691,000 |
| Interest-bearing deposits | 133,466,000 | 137,868,000 | 144,297,000 | 149,688,000 |
| Noninterest-bearing deposits | 14,171,000 | 13,064,000 | 12,989,000 | 14,003,000 |
| Equity capital | 24,845,000 | 25,255,000 | 25,986,000 | 25,796,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,328,000 | 6,892,000 | 10,651,000 | 14,429,000 |
| Interest expense | 1,505,000 | 3,167,000 | 4,968,000 | 6,843,000 |
| Net interest income | 1,823,000 | 3,725,000 | 5,683,000 | 7,586,000 |
| Noninterest income | 413,000 | 894,000 | 1,350,000 | 1,851,000 |
| Noninterest expense | 1,215,000 | 2,399,000 | 3,731,000 | 5,494,000 |
| Provision for loan losses | 50,000 | 150,000 | 300,000 | 853,000 |
| Pretax income | 972,000 | 2,071,000 | 3,003,000 | 3,092,000 |
| Income tax | 334,000 | 718,000 | 1,036,000 | 1,000,000 |
| Net income | 638,000 | 1,353,000 | 1,967,000 | 2,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,868,000 | 25,383,000 | 25,998,000 | 25,722,000 |
| Total capital | 26,739,000 | 27,363,000 | 28,044,000 | 27,824,000 |
| Risk-weighted assets | 147,163,000 | 156,097,000 | 161,476,000 | 166,029,000 |
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