Call reports 2003
WAYNE COUNTY NATIONAL BANK OF WOOSTER, THE — 2003
What WAYNE COUNTY NATIONAL BANK OF WOOSTER, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 445,175,000 | 435,203,000 | 428,808,000 | 434,275,000 |
| Total loans | 298,759,000 | 302,512,000 | 290,396,000 | 285,921,000 |
| Allowance for loan losses | 4,479,000 | 4,020,000 | 4,018,000 | 3,960,000 |
| Securities available for sale | 107,500,000 | 102,425,000 | 100,120,000 | 113,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,756,000 | 370,591,000 | 365,754,000 | 372,683,000 |
| Interest-bearing deposits | 309,472,000 | 308,163,000 | 304,947,000 | 303,630,000 |
| Noninterest-bearing deposits | 59,284,000 | 62,428,000 | 60,807,000 | 69,053,000 |
| Equity capital | 37,321,000 | 38,459,000 | 38,381,000 | 38,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,225,000 | 12,283,000 | 18,088,000 | 23,574,000 |
| Interest expense | 1,811,000 | 3,525,000 | 4,981,000 | 6,398,000 |
| Net interest income | 4,414,000 | 8,758,000 | 13,107,000 | 17,176,000 |
| Noninterest income | 1,089,000 | 2,255,000 | 3,113,000 | 4,139,000 |
| Noninterest expense | 2,975,000 | 6,112,000 | 8,772,000 | 11,867,000 |
| Provision for loan losses | 40,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 2,488,000 | 4,861,000 | 7,527,000 | 9,527,000 |
| Income tax | 792,000 | 1,555,000 | 2,395,000 | 2,972,000 |
| Net income | 1,696,000 | 3,306,000 | 5,132,000 | 6,555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,768,000 | 35,687,000 | 36,348,000 | 36,880,000 |
| Total capital | 48,700,000 | 39,671,000 | 40,249,000 | 40,730,000 |
| Risk-weighted assets | 314,047,000 | 318,715,000 | 311,983,000 | 307,927,000 |