Call reports 2019
WAYNE BANK AND TRUST CO. — 2019
What WAYNE BANK AND TRUST CO. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 164,751,000 | 167,388,000 | 164,269,000 | 168,523,000 |
| Total loans | 128,642,000 | 130,984,000 | 133,095,000 | 133,738,000 |
| Allowance for loan losses | 1,768,000 | 1,738,000 | 1,719,000 | 1,681,000 |
| Securities available for sale | 26,872,000 | 27,973,000 | 19,958,000 | 21,273,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,453,000 | 143,640,000 | 141,233,000 | 145,321,000 |
| Interest-bearing deposits | 122,354,000 | 126,822,000 | 122,412,000 | 128,721,000 |
| Noninterest-bearing deposits | 17,098,000 | 16,818,000 | 18,821,000 | 16,600,000 |
| Equity capital | 18,626,000 | 19,083,000 | 19,325,000 | 19,445,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,813,000 | 3,679,000 | 5,625,000 | 7,596,000 |
| Interest expense | 355,000 | 703,000 | 1,037,000 | 1,361,000 |
| Net interest income | 1,458,000 | 2,976,000 | 4,588,000 | 6,235,000 |
| Noninterest income | 255,000 | 521,000 | 805,000 | 1,040,000 |
| Noninterest expense | 1,585,000 | 3,153,000 | 4,757,000 | 6,494,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 118,000 | 334,000 | 630,000 | 774,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 118,000 | 334,000 | 630,000 | 774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,734,000 | 18,840,000 | 18,980,000 | 19,123,000 |
| Total capital | 20,315,000 | 20,454,000 | 20,560,000 | 20,759,000 |
| Risk-weighted assets | 126,263,000 | 129,032,000 | 126,270,000 | 130,868,000 |