Call reports 2022
WAYNE BANK AND TRUST CO. — 2022
What WAYNE BANK AND TRUST CO. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 217,097,000 | 215,290,000 | 217,216,000 | 215,165,000 |
| Total loans | 146,230,000 | 156,396,000 | 158,744,000 | 161,101,000 |
| Allowance for loan losses | 2,129,000 | 2,133,000 | 2,117,000 | 2,227,000 |
| Securities available for sale | 46,433,000 | 44,154,000 | 42,459,000 | 43,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,106,000 | 200,077,000 | 202,798,000 | 191,641,000 |
| Interest-bearing deposits | 155,486,000 | 159,194,000 | 159,155,000 | 152,674,000 |
| Noninterest-bearing deposits | 42,620,000 | 40,883,000 | 43,643,000 | 38,967,000 |
| Equity capital | 18,517,000 | 14,700,000 | 13,885,000 | 15,256,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,956,000 | 4,002,000 | 6,221,000 | 8,373,000 |
| Interest expense | 107,000 | 215,000 | 345,000 | 630,000 |
| Net interest income | 1,849,000 | 3,787,000 | 5,876,000 | 7,743,000 |
| Noninterest income | 315,000 | 652,000 | 988,000 | 1,267,000 |
| Noninterest expense | 1,621,000 | 3,302,000 | 5,103,000 | 6,982,000 |
| Provision for loan losses | 3,000 | 6,000 | 17,000 | 127,000 |
| Pretax income | 540,000 | 1,131,000 | 1,744,000 | 1,898,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 540,000 | 1,131,000 | 1,744,000 | 1,898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,401,000 | 21,428,000 | 21,679,000 | 21,688,000 |
| Total capital | 23,297,000 | 23,487,000 | 23,764,000 | 23,776,000 |
| Risk-weighted assets | 151,473,000 | 164,652,000 | 166,734,000 | 166,989,000 |