Call reports 2023
WAYNE BANK AND TRUST CO. — 2023
What WAYNE BANK AND TRUST CO. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 215,684,000 | 219,469,000 | 216,204,000 | 218,436,000 |
| Total loans | 161,055,000 | 162,005,000 | 158,658,000 | 163,532,000 |
| Allowance for loan losses | 2,127,000 | 2,130,000 | 1,890,000 | 1,902,000 |
| Securities available for sale | 42,923,000 | 42,178,000 | 39,398,000 | 41,124,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,750,000 | 199,225,000 | 198,941,000 | 194,248,000 |
| Interest-bearing deposits | 155,442,000 | 158,730,000 | 156,579,000 | 157,914,000 |
| Noninterest-bearing deposits | 41,308,000 | 40,495,000 | 42,362,000 | 36,334,000 |
| Equity capital | 15,885,000 | 15,535,000 | 14,425,000 | 16,634,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,272,000 | 4,658,000 | 7,116,000 | 9,653,000 |
| Interest expense | 611,000 | 1,332,000 | 2,115,000 | 2,943,000 |
| Net interest income | 1,661,000 | 3,326,000 | 5,001,000 | 6,710,000 |
| Noninterest income | 821,000 | 1,310,000 | 1,615,000 | 1,697,000 |
| Noninterest expense | 1,760,000 | 3,509,000 | 5,206,000 | 7,018,000 |
| Provision for loan losses | 0 | 0 | 0 | 11,000 |
| Pretax income | 725,000 | 1,130,000 | 1,413,000 | 1,381,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 725,000 | 1,130,000 | 1,413,000 | 1,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,347,000 | 22,213,000 | 22,393,000 | 22,360,000 |
| Total capital | 24,442,000 | 24,312,000 | 24,283,000 | 24,333,000 |
| Risk-weighted assets | 167,587,000 | 167,917,000 | 165,364,000 | 168,344,000 |