Call reports 2025
WAYNE BANK AND TRUST CO. — 2025
What WAYNE BANK AND TRUST CO. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 229,599,000 | 238,518,000 | 247,265,000 | 251,098,000 |
| Total loans | 180,098,000 | 188,820,000 | 196,196,000 | 199,651,000 |
| Allowance for loan losses | 1,979,000 | 2,060,000 | 2,120,000 | 2,209,000 |
| Securities available for sale | 36,816,000 | 36,246,000 | 36,785,000 | 36,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,602,000 | 215,572,000 | 225,000,000 | 222,549,000 |
| Interest-bearing deposits | 175,112,000 | 181,435,000 | 186,243,000 | 188,887,000 |
| Noninterest-bearing deposits | 35,490,000 | 34,137,000 | 38,757,000 | 33,662,000 |
| Equity capital | 17,412,000 | 17,222,000 | 18,567,000 | 19,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,925,000 | 6,016,000 | 9,352,000 | 12,842,000 |
| Interest expense | 1,023,000 | 2,058,000 | 3,151,000 | 4,269,000 |
| Net interest income | 1,902,000 | 3,958,000 | 6,201,000 | 8,573,000 |
| Noninterest income | 302,000 | 590,000 | 894,000 | 1,104,000 |
| Noninterest expense | 1,781,000 | 3,667,000 | 5,527,000 | 7,429,000 |
| Provision for loan losses | 15,000 | 95,000 | 155,000 | 245,000 |
| Pretax income | 408,000 | 771,000 | 1,398,000 | 1,973,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 408,000 | 771,000 | 1,398,000 | 1,973,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,229,000 | 23,124,000 | 23,446,000 | 24,020,000 |
| Total capital | 25,279,000 | 25,269,000 | 25,652,000 | 26,330,000 |
| Risk-weighted assets | 181,585,000 | 189,739,000 | 196,811,000 | 200,541,000 |