Call reports 2014
WAYNE BANK AND TRUST CO. — 2014
What WAYNE BANK AND TRUST CO. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 134,046,000 | 132,631,000 | 128,956,000 | 128,621,000 |
| Total loans | 98,109,000 | 97,225,000 | 95,019,000 | 95,288,000 |
| Allowance for loan losses | 3,072,000 | 2,925,000 | 2,905,000 | 2,864,000 |
| Securities available for sale | 1,960,000 | 1,888,000 | 2,377,000 | 2,828,000 |
| Securities held to maturity | 14,833,000 | 18,133,000 | 16,006,000 | 16,230,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,202,000 | 115,296,000 | 111,404,000 | 110,988,000 |
| Interest-bearing deposits | 105,298,000 | 104,064,000 | 99,635,000 | 98,559,000 |
| Noninterest-bearing deposits | 11,905,000 | 11,232,000 | 11,769,000 | 12,429,000 |
| Equity capital | 16,143,000 | 16,576,000 | 16,835,000 | 16,790,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,515,000 | 2,994,000 | 4,441,000 | 5,903,000 |
| Interest expense | 63,000 | 116,000 | 167,000 | 211,000 |
| Net interest income | 1,452,000 | 2,878,000 | 4,274,000 | 5,692,000 |
| Noninterest income | 168,000 | 397,000 | 586,000 | 776,000 |
| Noninterest expense | 1,171,000 | 2,289,000 | 3,509,000 | 4,885,000 |
| Provision for loan losses | 105,000 | 214,000 | 320,000 | 619,000 |
| Pretax income | 344,000 | 772,000 | 1,031,000 | 964,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 344,000 | 772,000 | 1,031,000 | 964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,143,000 | 16,576,000 | 16,835,000 | 16,773,000 |
| Total capital | 17,353,000 | 17,783,000 | 18,019,000 | 17,997,000 |
| Risk-weighted assets | 94,896,000 | 94,803,000 | 92,976,000 | 96,282,000 |