Call reports 2015
WAYNE BANK AND TRUST CO. — 2015
What WAYNE BANK AND TRUST CO. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 132,998,000 | 132,942,000 | 133,612,000 | 133,159,000 |
| Total loans | 94,836,000 | 89,982,000 | 87,825,000 | 84,881,000 |
| Allowance for loan losses | 2,800,000 | 2,739,000 | 2,304,000 | 2,152,000 |
| Securities available for sale | 4,197,000 | 4,694,000 | 4,743,000 | 5,998,000 |
| Securities held to maturity | 19,343,000 | 26,064,000 | 27,810,000 | 29,481,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,157,000 | 114,685,000 | 115,313,000 | 114,873,000 |
| Interest-bearing deposits | 102,728,000 | 101,423,000 | 100,563,000 | 103,489,000 |
| Noninterest-bearing deposits | 12,429,000 | 13,262,000 | 14,750,000 | 11,385,000 |
| Equity capital | 17,139,000 | 17,475,000 | 17,497,000 | 17,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,449,000 | 2,866,000 | 4,311,000 | 5,644,000 |
| Interest expense | 45,000 | 95,000 | 147,000 | 198,000 |
| Net interest income | 1,404,000 | 2,771,000 | 4,164,000 | 5,446,000 |
| Noninterest income | 243,000 | 681,000 | 762,000 | 965,000 |
| Noninterest expense | 1,310,000 | 2,589,000 | 4,043,000 | 5,433,000 |
| Provision for loan losses | 2,000 | 3,000 | 0 | 3,000 |
| Pretax income | 334,000 | 859,000 | 882,000 | 974,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 334,000 | 859,000 | 882,000 | 974,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,107,000 | 17,465,000 | 17,488,000 | 17,579,000 |
| Total capital | 18,239,000 | 18,619,000 | 18,620,000 | 18,704,000 |
| Risk-weighted assets | 88,893,000 | 90,782,000 | 89,421,000 | 89,007,000 |