Call reports 2010
WAYNE COUNTY BANK — 2010
What WAYNE COUNTY 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 | 259,892,000 | 262,295,000 | 265,263,000 | 264,328,000 |
| Total loans | 215,646,000 | 219,946,000 | 218,813,000 | 217,135,000 |
| Allowance for loan losses | 7,331,000 | 7,575,000 | 7,188,000 | 5,045,000 |
| Securities available for sale | 9,283,000 | 8,982,000 | 8,811,000 | 8,241,000 |
| Securities held to maturity | 259,000 | 259,000 | 259,000 | 259,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,839,000 | 219,204,000 | 221,751,000 | 221,316,000 |
| Interest-bearing deposits | 194,687,000 | 204,108,000 | 205,724,000 | 204,789,000 |
| Noninterest-bearing deposits | 16,152,000 | 15,096,000 | 16,027,000 | 16,527,000 |
| Equity capital | 28,013,000 | 28,507,000 | 29,385,000 | 29,313,000 |
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 | 3,659,000 | 7,583,000 | 11,452,000 | 15,278,000 |
| Interest expense | 1,025,000 | 2,049,000 | 3,059,000 | 4,059,000 |
| Net interest income | 2,634,000 | 5,534,000 | 8,393,000 | 11,219,000 |
| Noninterest income | 501,000 | 977,000 | 1,465,000 | 1,922,000 |
| Noninterest expense | 1,635,000 | 3,267,000 | 4,930,000 | 6,866,000 |
| Provision for loan losses | 850,000 | 1,600,000 | 2,000,000 | 2,700,000 |
| Pretax income | 650,000 | 1,645,000 | 2,929,000 | 3,579,000 |
| Income tax | 213,000 | 552,000 | 990,000 | 1,208,000 |
| Net income | 437,000 | 1,093,000 | 1,939,000 | 2,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,908,000 | 28,364,000 | 29,210,000 | 29,243,000 |
| Total capital | 30,694,000 | 31,223,000 | 32,085,000 | 32,062,000 |
| Risk-weighted assets | 218,339,000 | 223,971,000 | 225,719,000 | 223,268,000 |
Machine access — free, no API key
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