Call reports 2002
WAYNE COUNTY NATIONAL BANK OF WOOSTER, THE — 2002
What WAYNE COUNTY NATIONAL BANK OF WOOSTER, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 437,165,000 | 435,901,000 | 434,437,000 | 446,670,000 |
| Total loans | 288,801,000 | 293,302,000 | 296,173,000 | 298,193,000 |
| Allowance for loan losses | 4,365,000 | 4,409,000 | 4,496,000 | 4,472,000 |
| Securities available for sale | 115,181,000 | 110,817,000 | 108,481,000 | 114,486,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,234,000 | 366,116,000 | 362,976,000 | 371,039,000 |
| Interest-bearing deposits | 300,548,000 | 303,299,000 | 302,240,000 | 309,632,000 |
| Noninterest-bearing deposits | 55,686,000 | 62,817,000 | 60,736,000 | 61,407,000 |
| Equity capital | 42,209,000 | 43,879,000 | 45,337,000 | 36,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,839,000 | 13,327,000 | 19,779,000 | 26,244,000 |
| Interest expense | 2,343,000 | 4,607,000 | 6,724,000 | 8,661,000 |
| Net interest income | 4,496,000 | 8,720,000 | 13,055,000 | 17,583,000 |
| Noninterest income | 965,000 | 1,895,000 | 2,870,000 | 3,997,000 |
| Noninterest expense | 2,847,000 | 5,705,000 | 8,600,000 | 11,599,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 270,000 |
| Pretax income | 2,524,000 | 4,773,000 | 7,098,000 | 9,754,000 |
| Income tax | 793,000 | 1,478,000 | 2,179,000 | 2,999,000 |
| Net income | 1,731,000 | 3,295,000 | 4,919,000 | 6,755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,806,000 | 41,711,000 | 42,690,000 | 33,810,000 |
| Total capital | 45,923,000 | 45,620,000 | 46,620,000 | 47,746,000 |
| Risk-weighted assets | 308,842,000 | 312,235,000 | 313,802,000 | 314,360,000 |