Wayne Bank and Trust Co. in Cambridge City, Indiana (IN)



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Wayne Bank and Trust Co. routing number info

Table of contents:
Wayne Bank and Trust Co.
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)43
Total assets$149,546
Cash and due from depository institutions$17,137
Interest-bearing balances$14,404
Securities$13,441
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$110,840
Loan loss allowance $4,020
Trading account assets$0
Bank premises and fixed assets$415
Other real estate owned$2,313
Goodwill and other intangibles$780
All other assets$4,620
Life insurance assets$149,546
Total liabilities and capital$134,801
Total liabilities$116,966
Total deposits$106,744
Interest-bearing deposits$116,966
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$16,990
Other borrowed funds $0
Subordinated debt $845
All other liabilities $14,745
Total equity capital$14,745
Total bank equity capital$14,745
Perpetual preferred stock$0
Common stock$1,000
Surplus$1,000
Undivided profits $12,745
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $38
Income earned, not collected on loans $8,525
Earning assets $0
Long-term assets (5+ years) $550
Average Assets, year-to-date $138,685
Average Assets, quarterly $13,917
Volatile liabilities $154,255
Insider loans $151,354
FHLB advances $110,482
Loans and leases held for sale $151,628
Unused loan commitments $2,949
Tier 1 (core) risk-based capital $2,949
Tier 2 risk-based capital $14,745
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $9,804
Derivatives$262
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,836
Total interest expense $1,820
Net interest income $6,016
Provision for loan and lease losses $3,400
Total noninterest income $965
Fiduciary activities $12
Service charges on deposit accounts $210
Trading account gains & fees $0
Additional noninterest income $743
Total noninterest expense $4,317
Salaries and employee benefits $2,055
Premises and equipment expense $633
Additional noninterest expense $1,629
Pre-tax net operating income -$736
Securities gains (losses) -$1
Applicable income taxes $0
Income before extraordinary items -$737
Extraordinary gains - net $0
Net income attributable to bank -$737
Net charge-offs $0
Cash dividends -$737
Sale, conversion, retirement of capital stock, net $1,868
Net operating income $646
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.43%
Cost of funding earning assets 1.26%
Net interest margin 4.17%
Noninterest income to earning assets 0.67%
Noninterest expense to earning assets 2.99%
Net operating income to assets -0.48%
Return on assets (ROA) -0.48%
Pretax return on assets -0.48%
Return on equity (ROE) -4.60%
Retained earnings to average equity (YTD only) -8.64%
Net charge-offs to loans 1.57%
Credit loss provision to net charge-offs 182.01%
Efficiency ratio1.43%
Assets per employee$61,839
Cash dividends to net income (YTD only)3.48%
Condition Ratios (%)
Loss allowance to loans -87.65%
Loss allowance to noncurrent loans 3.50%
Noncurrent assets plus other real estate owned to assets 47.16%
Noncurrent loans to loans 7.25%
Net loans and leases to deposits7.42%
Net loans and leases to core deposits 94.76%
Equity capital to assets 95.77%
Core capital (leverage) ratio 9.86%
Tier 1 risk-based capital ratio 9.72%
Total risk-based capital ratio 13.35%
Memoranda
Average assets$15
Average earning assets$154,255
Average equity $16,013
Average loans $144,318
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$4,043
Number of Accounts1
Personal trust and agency accounts$2,067
Employee benefit-defined contribution accounts$2,067
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts8
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$1,976
Corporate trust and agency accounts$0
Other fiduciary accounts$1,676
Fiduciary accounts held in foreign offices$0
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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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