Wayne Bank and Trust Co. in Cambridge City, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches


Wayne Bank and Trust Co. - Overview

  • General
  • FDIC Certificate #: 1849
    Status: Active
    Federal Reserve ID: 451246
    Bank Holding Company (Regulatory Top Holder): Waytru Bancorp (RSSDID: 1204533, Location: Cambridge City, IN)
    Date Established: January 01, 1882
    WWW: http://www.waynebankonline.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 11680
    FDIC's unique #: 1231
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 145 West Main Street, Cambridge City, IN 47327
    County: Wayne
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Richmond, IN (#39980)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $149.5 mil
    Equity capital: $14.7 mil
    Deposits held in domestic offices: $117.0 mil
    Return on assets (ROA): -0.48% (-$0.7 mil)
    Quarterly return on assets: -3.58% (-$5.4 mil)
    Return on Equity (ROE): -4.60% (-$0.7 mil)
    Quarterly return on equity: -35.09% (-$5.3 mil)
    Net income: -$0.7 mil
    Quarterly Net income: -$1.4 mil
    Pretax return on assets: -0.48% (-$717.8 mil)
    Quarterly Pretax return on assets: -3.58% (-$5,353.7 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 43Total employees (full-time equivalent)
  • $149,546Total assets
  • $17,137Cash and due from depository institutions
  • $14,404Interest-bearing balances
  • $13,441Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $110,840Net loans & leases
  • $4,020Loan loss allowance
  • $0Trading account assets
  • $415Bank premises and fixed assets
  • $2,313Other real estate owned
  • $780Goodwill and other intangibles
  • $149,546Life insurance assets
  • $4,620All other assets
  • $134,801Total liabilities and capital
  • $116,966Total liabilities
  • $106,744Total deposits
  • $116,966Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $16,990Trading liabilities
  • $0Other borrowed funds
  • $845Subordinated debt
  • $14,745All other liabilities
  • $14,745Total equity capital
  • $14,745Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $1,000Surplus
  • $12,745Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $38Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,525Income earned, not collected on loans
  • $0Earning assets
  • $550Long-term assets (5+ years)
  • $138,685Average Assets, year-to-date
  • $13,917Average Assets, quarterly
  • $154,255Volatile liabilities
  • $151,354Insider loans
  • $110,482FHLB advances
  • $151,628Loans and leases held for sale
  • $2,949Unused loan commitments
  • $2,949Tier 1 (core) risk-based capital
  • $14,745Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,804Restructured Loans and leases
  • $262Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,836Total interest income
  • $1,820Total interest expense
  • $6,016Net interest income
  • $3,400Provision for loan and lease losses
  • $965Total noninterest income
  • $12Fiduciary activities
  • $210Service charges on deposit accounts
  • $0Trading account gains & fees
  • $743Additional noninterest income
  • $4,317Total noninterest expense
  • $2,055Salaries and employee benefits
  • $633Premises and equipment expense
  • $1,629Additional noninterest expense
  • -$736Pre-tax net operating income
  • -$1Securities gains (losses)
  • $0Applicable income taxes
  • -$737Income before extraordinary items
  • $0Extraordinary gains - net
  • -$737Net income attributable to bank
  • $0Net charge-offs
  • -$737Cash dividends
  • $1,868Sale, conversion, retirement of capital stock, net
  • $646Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.43%Yield on earning assets
  • 1.26%Cost of funding earning assets
  • 4.17%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 2.99%Noninterest expense to earning assets
  • -0.48%Net operating income to assets
  • -0.48%Return on assets (ROA)
  • -0.48%Pretax return on assets
  • -4.60%Return on equity (ROE)
  • -8.64%Retained earnings to average equity (YTD only)
  • 1.57%Net charge-offs to loans
  • 182.01%Credit loss provision to net charge-offs
  • 1.43%Efficiency ratio
  • 61,839Assets per employee
  • 3.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -87.65%Loss allowance to loans
  • 3.50%Loss allowance to noncurrent loans
  • 47.16%Noncurrent assets plus other real estate owned to assets
  • 7.25%Noncurrent loans to loans
  • 7.42%Net loans and leases to deposits
  • 94.76%Net loans and leases to core deposits
  • 95.77%Equity capital to assets
  • 9.86%Core capital (leverage) ratio
  • 9.72%Tier 1 risk-based capital ratio
  • 13.35%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $154,255Average earning assets
  • $16,013Average equity
  • $144,318Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $4,043Managed Assets
  • 1Number of Accounts
  • $2,067Personal trust and agency accounts
  • $2,067Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 8Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,976Other retirement accounts
  • $0Corporate trust and agency accounts
  • $1,676Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01231Wayne Bank And Trust Co.145 West Main Street, Cambridge City, IN 47327January 01, 1882Full Service Brick and Mortar
    1190223Gateway Branch4403 East Main Street, Richmond, IN 47374April 05, 1982Full Service Brick and Mortar
    2190224Waytru Plaza Branch500 South A Street, Richmond, IN 47374November 01, 1983Full Service Brick and Mortar

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