Call reports 2009
WAYNE COUNTY BANK — 2009
What WAYNE COUNTY 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 | 231,200,000 | 240,844,000 | 249,064,000 | 255,328,000 |
| Total loans | 194,888,000 | 201,342,000 | 209,143,000 | 215,784,000 |
| Allowance for loan losses | 5,081,000 | 5,182,000 | 5,368,000 | 6,655,000 |
| Securities available for sale | 12,960,000 | 11,287,000 | 10,900,000 | 9,762,000 |
| Securities held to maturity | 389,000 | 259,000 | 259,000 | 259,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,311,000 | 190,227,000 | 200,930,000 | 206,251,000 |
| Interest-bearing deposits | 173,938,000 | 175,581,000 | 186,567,000 | 190,165,000 |
| Noninterest-bearing deposits | 14,373,000 | 14,646,000 | 14,363,000 | 16,086,000 |
| Equity capital | 27,848,000 | 28,215,000 | 28,795,000 | 27,570,000 |
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 | 3,621,000 | 7,324,000 | 11,074,000 | 14,894,000 |
| Interest expense | 1,235,000 | 2,490,000 | 3,729,000 | 4,996,000 |
| Net interest income | 2,386,000 | 4,834,000 | 7,345,000 | 9,898,000 |
| Noninterest income | 450,000 | 916,000 | 1,401,000 | 1,889,000 |
| Noninterest expense | 1,486,000 | 3,149,000 | 4,765,000 | 6,436,000 |
| Provision for loan losses | 275,000 | 675,000 | 1,275,000 | 4,005,000 |
| Pretax income | 1,075,000 | 1,929,000 | 2,725,000 | 1,366,000 |
| Income tax | 374,000 | 666,000 | 936,000 | 341,000 |
| Net income | 701,000 | 1,263,000 | 1,789,000 | 1,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,748,000 | 28,110,000 | 28,636,000 | 27,472,000 |
| Total capital | 30,224,000 | 30,676,000 | 31,314,000 | 30,238,000 |
| Risk-weighted assets | 195,480,000 | 203,571,000 | 211,567,000 | 217,360,000 |
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