Call reports 2016
WAYNE BANK AND TRUST CO. — 2016
What WAYNE BANK AND TRUST CO. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 133,751,000 | 138,181,000 | 136,503,000 | 139,085,000 |
| Total loans | 89,104,000 | 91,130,000 | 96,739,000 | 95,318,000 |
| Allowance for loan losses | 2,108,000 | 2,026,000 | 2,034,000 | 1,965,000 |
| Securities available for sale | 7,020,000 | 38,875,000 | 33,061,000 | 35,951,000 |
| Securities held to maturity | 27,597,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,134,000 | 116,112,000 | 114,521,000 | 115,733,000 |
| Interest-bearing deposits | 102,878,000 | 104,261,000 | 101,890,000 | 103,112,000 |
| Noninterest-bearing deposits | 12,256,000 | 11,851,000 | 12,632,000 | 12,621,000 |
| Equity capital | 17,874,000 | 18,135,000 | 18,022,000 | 17,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,366,000 | 2,746,000 | 4,151,000 | 5,547,000 |
| Interest expense | 53,000 | 106,000 | 160,000 | 221,000 |
| Net interest income | 1,313,000 | 2,640,000 | 3,991,000 | 5,326,000 |
| Noninterest income | 271,000 | 435,000 | 628,000 | 741,000 |
| Noninterest expense | 1,274,000 | 2,594,000 | 3,965,000 | 5,260,000 |
| Provision for loan losses | 1,000 | 3,000 | 2,000 | 1,000 |
| Pretax income | 309,000 | 478,000 | 802,000 | 956,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 309,000 | 478,000 | 802,000 | 956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,843,000 | 17,747,000 | 17,883,000 | 17,982,000 |
| Total capital | 19,020,000 | 18,963,000 | 19,121,000 | 19,216,000 |
| Risk-weighted assets | 93,098,000 | 96,513,000 | 98,302,000 | 98,001,000 |