Call reports 2020
WAYNE BANK AND TRUST CO. — 2020
What WAYNE BANK AND TRUST CO. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 167,881,000 | 195,183,000 | 189,206,000 | 192,228,000 |
| Total loans | 137,861,000 | 153,651,000 | 154,288,000 | 152,935,000 |
| Allowance for loan losses | 1,702,000 | 1,948,000 | 2,107,000 | 2,225,000 |
| Securities available for sale | 21,780,000 | 25,508,000 | 24,808,000 | 25,500,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,327,000 | 164,569,000 | 163,801,000 | 169,949,000 |
| Interest-bearing deposits | 124,952,000 | 131,789,000 | 134,117,000 | 142,554,000 |
| Noninterest-bearing deposits | 18,375,000 | 32,780,000 | 29,683,000 | 27,395,000 |
| Equity capital | 18,987,000 | 20,812,000 | 20,784,000 | 21,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,917,000 | 4,006,000 | 6,149,000 | 8,271,000 |
| Interest expense | 305,000 | 561,000 | 801,000 | 992,000 |
| Net interest income | 1,612,000 | 3,445,000 | 5,348,000 | 7,279,000 |
| Noninterest income | 280,000 | 1,050,000 | 1,639,000 | 2,290,000 |
| Noninterest expense | 1,510,000 | 3,130,000 | 4,922,000 | 6,739,000 |
| Provision for loan losses | 29,000 | 278,000 | 427,000 | 551,000 |
| Pretax income | 353,000 | 1,087,000 | 1,688,000 | 2,327,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 353,000 | 1,087,000 | 1,688,000 | 2,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,355,000 | 19,913,000 | 19,978,000 | 20,620,000 |
| Total capital | 21,049,000 | 21,789,000 | 21,717,000 | 22,340,000 |
| Risk-weighted assets | 135,527,000 | 150,073,000 | 138,759,000 | 137,125,000 |