Call reports 2004
WAYNE COUNTY NATIONAL BANK OF WOOSTER, THE — 2004
What WAYNE COUNTY NATIONAL BANK OF WOOSTER, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Total assets | 428,756,000 | 427,368,000 | 429,462,000 |
| Total loans | 275,767,000 | 279,426,000 | 281,837,000 |
| Allowance for loan losses | 3,932,000 | 3,949,000 | 3,924,000 |
| Securities available for sale | 105,180,000 | 119,548,000 | 114,278,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 362,029,000 | 364,602,000 | 367,196,000 |
| Interest-bearing deposits | 298,878,000 | 300,350,000 | 301,047,000 |
| Noninterest-bearing deposits | 63,151,000 | 64,252,000 | 66,149,000 |
| Equity capital | 39,486,000 | 37,191,000 | 37,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Interest income | 5,199,000 | 10,494,000 | 15,897,000 |
| Interest expense | 1,319,000 | 2,607,000 | 3,973,000 |
| Net interest income | 3,880,000 | 7,887,000 | 11,924,000 |
| Noninterest income | 1,117,000 | 2,174,000 | 3,125,000 |
| Noninterest expense | 2,862,000 | 5,783,000 | 9,038,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 |
| Pretax income | 2,126,000 | 4,323,000 | 6,056,000 |
| Income tax | 659,000 | 1,358,000 | 1,941,000 |
| Net income | 1,467,000 | 2,965,000 | 4,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Tier 1 capital | 37,457,000 | 36,938,000 | 36,905,000 |
| Total capital | 41,222,000 | 40,765,000 | 40,762,000 |
| Risk-weighted assets | 301,450,000 | 306,017,000 | 308,489,000 |