Call reports 2018
WAYNE BANK AND TRUST CO. — 2018
What WAYNE BANK AND TRUST CO. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 147,334,000 | 156,984,000 | 158,451,000 | 169,541,000 |
| Total loans | 104,351,000 | 113,474,000 | 119,469,000 | 129,967,000 |
| Allowance for loan losses | 1,908,000 | 1,887,000 | 1,853,000 | 1,841,000 |
| Securities available for sale | 34,243,000 | 34,764,000 | 30,595,000 | 30,154,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,936,000 | 128,220,000 | 132,192,000 | 136,841,000 |
| Interest-bearing deposits | 111,039,000 | 114,323,000 | 117,337,000 | 120,965,000 |
| Noninterest-bearing deposits | 14,897,000 | 13,897,000 | 14,855,000 | 15,876,000 |
| Equity capital | 17,848,000 | 18,008,000 | 17,992,000 | 18,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,477,000 | 3,062,000 | 4,774,000 | 6,636,000 |
| Interest expense | 129,000 | 305,000 | 542,000 | 869,000 |
| Net interest income | 1,348,000 | 2,757,000 | 4,232,000 | 5,767,000 |
| Noninterest income | 211,000 | 474,000 | 727,000 | 942,000 |
| Noninterest expense | 1,471,000 | 2,911,000 | 4,407,000 | 5,932,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 88,000 | 320,000 | 540,000 | 754,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 88,000 | 320,000 | 540,000 | 754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,318,000 | 18,451,000 | 18,573,000 | 18,788,000 |
| Total capital | 19,655,000 | 19,886,000 | 20,054,000 | 20,384,000 |
| Risk-weighted assets | 106,394,000 | 114,371,000 | 118,124,000 | 127,427,000 |