Call reports 2011
WAYNE COUNTY BANK — 2011
What WAYNE COUNTY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 275,319,000 | 267,650,000 | 271,815,000 | 278,062,000 |
| Total loans | 216,960,000 | 215,090,000 | 217,753,000 | 221,860,000 |
| Allowance for loan losses | 5,294,000 | 6,234,000 | 6,158,000 | 5,370,000 |
| Securities available for sale | 10,802,000 | 13,335,000 | 13,257,000 | 11,992,000 |
| Securities held to maturity | 259,000 | 99,000 | 50,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,946,000 | 223,922,000 | 226,153,000 | 231,158,000 |
| Interest-bearing deposits | 212,285,000 | 205,164,000 | 206,414,000 | 209,664,000 |
| Noninterest-bearing deposits | 19,661,000 | 18,757,000 | 19,739,000 | 21,494,000 |
| Equity capital | 29,851,000 | 30,063,000 | 30,785,000 | 31,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,671,000 | 7,402,000 | 11,183,000 | 15,018,000 |
| Interest expense | 907,000 | 1,813,000 | 2,647,000 | 3,473,000 |
| Net interest income | 2,764,000 | 5,589,000 | 8,536,000 | 11,545,000 |
| Noninterest income | 474,000 | 958,000 | 1,435,000 | 1,842,000 |
| Noninterest expense | 1,738,000 | 3,593,000 | 5,384,000 | 7,110,000 |
| Provision for loan losses | 700,000 | 1,700,000 | 2,315,000 | 2,765,000 |
| Pretax income | 800,000 | 1,254,000 | 2,274,000 | 3,515,000 |
| Income tax | 270,000 | 408,000 | 763,000 | 1,175,000 |
| Net income | 530,000 | 846,000 | 1,511,000 | 2,340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,773,000 | 29,889,000 | 30,555,000 | 31,383,000 |
| Total capital | 32,633,000 | 32,688,000 | 33,388,000 | 34,257,000 |
| Risk-weighted assets | 226,352,000 | 220,459,000 | 223,285,000 | 227,462,000 |
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