Call reports 2013
WAYNE COUNTY BANK — 2013
What WAYNE COUNTY 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 | 308,641,000 | 307,757,000 | 310,884,000 | 309,503,000 |
| Total loans | 240,965,000 | 241,994,000 | 237,708,000 | 230,422,000 |
| Allowance for loan losses | 7,931,000 | 7,280,000 | 5,930,000 | 5,795,000 |
| Securities available for sale | 12,552,000 | 12,379,000 | 13,473,000 | 13,777,000 |
| Securities held to maturity | 50,000 | 50,000 | 50,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,924,000 | 259,129,000 | 260,077,000 | 258,650,000 |
| Interest-bearing deposits | 236,577,000 | 237,830,000 | 236,471,000 | 232,672,000 |
| Noninterest-bearing deposits | 23,347,000 | 21,299,000 | 23,606,000 | 25,978,000 |
| Equity capital | 33,114,000 | 33,632,000 | 34,297,000 | 34,658,000 |
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 | 3,443,000 | 7,122,000 | 10,874,000 | 14,586,000 |
| Interest expense | 665,000 | 1,356,000 | 2,051,000 | 2,741,000 |
| Net interest income | 2,778,000 | 5,766,000 | 8,823,000 | 11,845,000 |
| Noninterest income | 530,000 | 1,285,000 | 1,780,000 | 2,240,000 |
| Noninterest expense | 1,746,000 | 3,652,000 | 5,657,000 | 7,889,000 |
| Provision for loan losses | 1,364,000 | 2,025,000 | 2,550,000 | 3,173,000 |
| Pretax income | 198,000 | 1,375,000 | 2,397,000 | 3,024,000 |
| Income tax | 32,000 | 451,000 | 807,000 | 1,010,000 |
| Net income | 166,000 | 924,000 | 1,590,000 | 2,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,977,000 | 33,735,000 | 34,402,000 | 34,826,000 |
| Total capital | 36,105,000 | 36,852,000 | 37,490,000 | 37,882,000 |
| Risk-weighted assets | 245,431,000 | 245,204,000 | 244,193,000 | 241,714,000 |
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