Call reports 2021
WAYNE BANK AND TRUST CO. — 2021
What WAYNE BANK AND TRUST CO. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 206,652,000 | 210,211,000 | 209,989,000 | 207,117,000 |
| Total loans | 148,133,000 | 141,996,000 | 143,580,000 | 142,903,000 |
| Allowance for loan losses | 2,246,000 | 2,211,000 | 2,207,000 | 2,086,000 |
| Securities available for sale | 27,613,000 | 41,356,000 | 50,413,000 | 48,987,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,182,000 | 188,401,000 | 187,863,000 | 184,845,000 |
| Interest-bearing deposits | 151,566,000 | 150,105,000 | 150,394,000 | 147,405,000 |
| Noninterest-bearing deposits | 33,616,000 | 38,297,000 | 37,469,000 | 37,440,000 |
| Equity capital | 21,045,000 | 21,249,000 | 21,549,000 | 21,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,087,000 | 4,093,000 | 6,156,000 | 8,174,000 |
| Interest expense | 152,000 | 292,000 | 422,000 | 540,000 |
| Net interest income | 1,935,000 | 3,801,000 | 5,734,000 | 7,634,000 |
| Noninterest income | 742,000 | 1,370,000 | 2,056,000 | 2,539,000 |
| Noninterest expense | 1,670,000 | 3,389,000 | 5,146,000 | 7,017,000 |
| Provision for loan losses | 23,000 | 30,000 | 30,000 | 180,000 |
| Pretax income | 993,000 | 1,761,000 | 2,623,000 | 2,985,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 993,000 | 1,761,000 | 2,623,000 | 2,985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,660,000 | 20,579,000 | 20,861,000 | 21,223,000 |
| Total capital | 22,389,000 | 22,405,000 | 22,741,000 | 23,054,000 |
| Risk-weighted assets | 137,842,000 | 145,745,000 | 150,098,000 | 146,262,000 |