Call reports 2024
WAYNE BANK AND TRUST CO. — 2024
What WAYNE BANK AND TRUST CO. reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 220,825,000 | 222,902,000 | 227,146,000 | 227,496,000 |
| Total loans | 164,653,000 | 170,943,000 | 171,731,000 | 174,537,000 |
| Allowance for loan losses | 1,897,000 | 1,922,000 | 1,950,000 | 1,965,000 |
| Securities available for sale | 39,705,000 | 37,899,000 | 38,570,000 | 37,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,416,000 | 199,939,000 | 205,868,000 | 209,456,000 |
| Interest-bearing deposits | 164,071,000 | 164,806,000 | 168,520,000 | 175,300,000 |
| Noninterest-bearing deposits | 35,345,000 | 35,133,000 | 37,348,000 | 34,156,000 |
| Equity capital | 16,489,000 | 16,276,000 | 17,627,000 | 16,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,580,000 | 5,304,000 | 8,163,000 | 11,073,000 |
| Interest expense | 922,000 | 1,930,000 | 2,997,000 | 4,041,000 |
| Net interest income | 1,658,000 | 3,374,000 | 5,166,000 | 7,032,000 |
| Noninterest income | 285,000 | 594,000 | 887,000 | 1,215,000 |
| Noninterest expense | 1,716,000 | 3,427,000 | 5,202,000 | 7,000,000 |
| Provision for loan losses | 16,000 | 80,000 | 110,000 | 140,000 |
| Pretax income | 211,000 | 432,000 | 712,000 | 1,078,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 211,000 | 432,000 | 712,000 | 1,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,538,000 | 22,564,000 | 22,659,000 | 22,822,000 |
| Total capital | 24,506,000 | 24,557,000 | 24,680,000 | 24,858,000 |
| Risk-weighted assets | 170,082,000 | 174,851,000 | 176,114,000 | 177,670,000 |