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Wayne Savings Bank, F.S.B., Assets and Liabilities

1997-12-31Rank
# of Employees:632,879
Assets and Liabilities
Total Assets:$269,495,0001,697
Cash and due from depository institutions$6,838,0002,879
Interest-bearing balances$5,267,000852
Securities$75,514,0001,526
Federal funds sold & reverse repurchase agreements$08,160
Net loans & leases$179,213,0001,575
Loan loss allowance$2,024,0001,772
Trading account assets$0203
Bank premises and fixed assets$3,213,0002,467
Other real estate owned$186,0002,879
Goodwill and other intangibles$03,571
All other assets$4,531,0001,667
Life insurance assets$01
Total liabilities and capital$269,495,0001,697
Total liabilities$241,405,0001,694
Total deposits$199,981,0001,897
Interest-bearing deposits$188,279,0001,720
Deposits held in domestic offices$199,981,0001,890
% insured0.00%1
Federal funds purchased & repurchase agreements$03,723
Trading liabilities$080
Other borrowed funds$36,837,000682
Subordinated debt$0260
All other liabilities$4,587,0001,078
Total equity capital$28,090,0001,615
Total bank equity capital$28,090,0001,615
Perpetual preferred stock$0223
Common stock$1,0009,742
Surplus$10,772,0001,450
Undivided profits$17,317,0001,510
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$2,328,0001,175
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,731
Income earned, not collected on loans$799,0002,890
Earning assets$259,994,0001,609
Long-term assets (5+ years)$09,550
Average Assets, year-to-date$257,503,4001,688
Average Assets, quarterly$268,151,5001,680
Volatile liabilities$56,523,0001,283
Insider loans$728,0004,381
FHLB advances$32,000,000238
Loans and leases held for sale$01,579
Unused loan commitments$29,014,0001,614
Tier 1 (core) risk-based capital$27,807,0001,540
Tier 2 risk-based capital$1,541,0001,949
Total risk weighted assets$122,784,0002,267
Total unused commitments$29,014,0001,617
Derivatives$0533
1996-12-31Rank
# of Employees:483,887
Assets and Liabilities
Total Assets:$244,328,0001,916
Cash and due from depository institutions$6,942,0003,887
Interest-bearing balances$5,784,000653
Securities$84,096,0001,432
Federal funds sold & reverse repurchase agreements$08,460
Net loans & leases$145,675,0001,978
Loan loss allowance$1,789,0002,089
Trading account assets$0240
Bank premises and fixed assets$3,091,0002,529
Other real estate owned$221,0003,887
Goodwill and other intangibles$03,437
All other assets$4,303,0001,801
Life insurance assets$01
Total liabilities and capital$244,328,0001,916
Total liabilities$218,071,0001,945
Total deposits$180,330,0002,146
Interest-bearing deposits$173,340,0001,927
Deposits held in domestic offices$180,330,0002,136
% insured0.00%1
Federal funds purchased & repurchase agreements$03,907
Trading liabilities$097
Other borrowed funds$37,221,000686
Subordinated debt$0298
All other liabilities$520,0005,792
Total equity capital$26,257,0001,724
Total bank equity capital$26,257,0001,724
Perpetual preferred stock$0250
Common stock$1,00010,221
Surplus$10,512,0001,538
Undivided profits$15,744,0001,631
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$2,076,0001,478
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,832
Income earned, not collected on loans$703,0003,275
Earning assets$235,555,0001,821
Long-term assets (5+ years)$09,965
Average Assets, year-to-date$220,086,6002,057
Average Assets, quarterly$241,963,5001,916
Volatile liabilities$51,206,0001,377
Insider loans$820,0004,143
FHLB advances$27,000,000275
Loans and leases held for sale$01,560
Unused loan commitments$19,858,0002,057
Tier 1 (core) risk-based capital$26,647,0001,609
Tier 2 risk-based capital$410,0006,028
Total risk weighted assets$99,623,0002,789
Total unused commitments$19,858,0002,071
Derivatives$0549
1995-12-31Rank
# of Employees:454,226
Assets and Liabilities
Total Assets:$208,416,0002,256
Cash and due from depository institutions$26,262,0004,226
Interest-bearing balances$25,366,000189
Securities$61,996,0002,003
Federal funds sold & reverse repurchase agreements$09,298
Net loans & leases$112,173,0002,449
Loan loss allowance$1,589,0002,367
Trading account assets$0261
Bank premises and fixed assets$3,165,0002,419
Other real estate owned$703,0004,226
Goodwill and other intangibles$03,181
All other assets$4,117,0001,913
Life insurance assets$01
Total liabilities and capital$208,416,0002,256
Total liabilities$191,117,0002,222
Total deposits$174,761,0002,253
Interest-bearing deposits$169,105,0002,010
Deposits held in domestic offices$174,761,0002,242
% insured0.00%1
Federal funds purchased & repurchase agreements$03,736
Trading liabilities$0110
Other borrowed funds$2,000,0002,360
Subordinated debt$0337
All other liabilities$14,356,000552
Total equity capital$17,299,0002,591
Total bank equity capital$17,299,0002,591
Perpetual preferred stock$0288
Common stock$010,908
Surplus$011,041
Undivided profits$17,299,0001,530
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$2,667,0001,236
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,782
Income earned, not collected on loans$569,0004,202
Earning assets$199,535,0002,177
Long-term assets (5+ years)$010,367
Average Assets, year-to-date$189,281,6002,387
Average Assets, quarterly$199,706,5002,335
Volatile liabilities$11,388,0004,172
Insider loans$910,0003,956
FHLB advances$2,000,000648
Loans and leases held for sale$01,606
Unused loan commitments$10,544,0003,153
Tier 1 (core) risk-based capital$17,394,0002,471
Tier 2 risk-based capital$989,0002,934
Total risk weighted assets$78,586,0003,366
Total unused commitments$10,544,0003,167
Derivatives$0628
1994-12-31Rank
# of Employees:424,658
Assets and Liabilities
Total Assets:$177,175,0002,585
Cash and due from depository institutions$2,497,0004,658
Interest-bearing balances$1,611,0001,833
Securities$53,664,0002,456
Federal funds sold & reverse repurchase agreements$08,397
Net loans & leases$113,303,0002,383
Loan loss allowance$1,529,0002,493
Trading account assets$0286
Bank premises and fixed assets$3,302,0002,252
Other real estate owned$1,063,0004,658
Goodwill and other intangibles$03,133
All other assets$3,346,0002,410
Life insurance assets$01
Total liabilities and capital$177,175,0002,585
Total liabilities$160,916,0002,588
Total deposits$160,079,0002,403
Interest-bearing deposits$155,086,0002,133
Deposits held in domestic offices$160,079,0002,393
% insured0.00%1
Federal funds purchased & repurchase agreements$04,788
Trading liabilities$087
Other borrowed funds$05,375
Subordinated debt$0372
All other liabilities$837,0003,503
Total equity capital$16,259,0002,522
Total bank equity capital$16,259,0002,522
Perpetual preferred stock$0310
Common stock$011,459
Surplus$011,565
Undivided profits$16,259,0001,443
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$3,674,0001,007
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,752
Income earned, not collected on loans$514,0004,106
Earning assets$168,578,0002,493
Long-term assets (5+ years)$010,888
Average Assets, year-to-date$181,014,4002,459
Average Assets, quarterly$178,131,5002,544
Volatile liabilities$15,159,0003,157
Insider loans$011,229
FHLB advances$0993
Loans and leases held for sale$01,430
Unused loan commitments$12,189,0002,731
Tier 1 (core) risk-based capital$16,523,0002,498
Tier 2 risk-based capital$1,000,0002,907
Total risk weighted assets$79,705,0003,274
Total unused commitments$12,189,0002,742
Derivatives$0687
1993-12-31Rank
# of Employees:454,561
Assets and Liabilities
Total Assets:$183,575,0002,517
Cash and due from depository institutions$23,925,0004,561
Interest-bearing balances$22,861,000275
Securities$45,489,0003,058
Federal funds sold & reverse repurchase agreements$010,345
Net loans & leases$106,499,0002,467
Loan loss allowance$1,224,0003,104
Trading account assets$0330
Bank premises and fixed assets$3,308,0002,214
Other real estate owned$1,430,0004,561
Goodwill and other intangibles$03,091
All other assets$2,924,0002,480
Life insurance assets$01
Total liabilities and capital$183,575,0002,517
Total liabilities$168,570,0002,513
Total deposits$167,940,0002,363
Interest-bearing deposits$165,324,0002,096
Deposits held in domestic offices$167,940,0002,351
% insured0.00%1
Federal funds purchased & repurchase agreements$03,944
Trading liabilities$01
Other borrowed funds$05,027
Subordinated debt$0413
All other liabilities$630,0004,484
Total equity capital$15,005,0002,691
Total bank equity capital$15,005,0002,691
Perpetual preferred stock$0343
Common stock$011,979
Surplus$012,104
Undivided profits$15,005,0001,581
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$3,510,0001,262
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,950
Income earned, not collected on loans$439,0004,268
Earning assets$174,849,0002,432
Long-term assets (5+ years)$011,403
Average Assets, year-to-date$180,547,6002,501
Average Assets, quarterly$182,304,0002,516
Volatile liabilities$20,845,0002,310
Insider loans$577,0005,290
FHLB advances$0821
Loans and leases held for sale$01,681
Unused loan commitments$15,217,0002,297
Tier 1 (core) risk-based capital$14,834,0002,653
Tier 2 risk-based capital$975,0002,959
Total risk weighted assets$77,716,0003,322
Total unused commitments$16,217,0002,208
Derivatives$0714
1992-12-31Rank
# of Employees:395,307
Assets and Liabilities
Total Assets:$179,459,0002,652
Cash and due from depository institutions$10,531,0005,307
Interest-bearing balances$8,046,000927
Securities$46,276,0002,941
Federal funds sold & reverse repurchase agreements$011,296
Net loans & leases$115,027,0002,364
Loan loss allowance$949,0003,910
Trading account assets$0344
Bank premises and fixed assets$3,362,0002,202
Other real estate owned$1,911,0005,307
Goodwill and other intangibles$03,106
All other assets$2,352,0003,116
Life insurance assets$01
Total liabilities and capital$179,459,0002,652
Total liabilities$166,816,0002,611
Total deposits$165,639,0002,489
Interest-bearing deposits$161,976,0002,234
Deposits held in domestic offices$165,639,0002,482
% insured0.00%1
Federal funds purchased & repurchase agreements$03,764
Trading liabilities$01
Other borrowed funds$05,085
Subordinated debt$0482
All other liabilities$1,177,0002,877
Total equity capital$12,643,0003,038
Total bank equity capital$12,643,0003,038
Perpetual preferred stock$0346
Common stock$012,472
Surplus$012,588
Undivided profits$12,643,0001,729
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$4,394,0001,235
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01
Income earned, not collected on loans$507,0004,022
Earning assets$169,349,0002,560
Long-term assets (5+ years)$011,806
Average Assets, year-to-date$174,668,0002,644
Average Assets, quarterly$177,791,5002,640
Volatile liabilities$12,811,0003,395
Insider loans$09,493
FHLB advances$0832
Loans and leases held for sale$01,207
Unused loan commitments$10,415,0002,879
Tier 1 (core) risk-based capital$12,643,0002,990
Tier 2 risk-based capital$861,0003,308
Total risk weighted assets$81,721,0003,201
Total unused commitments$10,415,0002,893
Derivatives$0651