Call reports 2014
WAYNE BANK — 2014
What WAYNE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 701,680,000 | 715,358,000 | 716,750,000 | 710,747,000 |
| Total loans | 496,148,000 | 502,488,000 | 501,052,000 | 501,343,000 |
| Allowance for loan losses | 5,727,000 | 5,611,000 | 5,651,000 | 5,875,000 |
| Securities available for sale | 155,820,000 | 154,572,000 | 158,341,000 | 155,997,000 |
| Securities held to maturity | 175,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 540,984,000 | 555,563,000 | 549,386,000 | 561,789,000 |
| Interest-bearing deposits | 516,779,000 | 526,489,000 | 525,006,000 | 536,436,000 |
| Noninterest-bearing deposits | 24,205,000 | 29,074,000 | 24,380,000 | 25,353,000 |
| Equity capital | 90,164,000 | 92,210,000 | 93,236,000 | 94,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,967,000 | 13,924,000 | 20,862,000 | 27,758,000 |
| Interest expense | 823,000 | 1,628,000 | 2,415,000 | 3,208,000 |
| Net interest income | 6,144,000 | 12,296,000 | 18,447,000 | 24,550,000 |
| Noninterest income | 951,000 | 1,783,000 | 2,735,000 | 3,069,000 |
| Noninterest expense | 4,022,000 | 8,277,000 | 12,327,000 | 16,529,000 |
| Provision for loan losses | 420,000 | 840,000 | 1,260,000 | 1,680,000 |
| Pretax income | 2,748,000 | 5,565,000 | 8,499,000 | 10,580,000 |
| Income tax | 714,000 | 1,434,000 | 2,207,000 | 2,701,000 |
| Net income | 2,034,000 | 4,131,000 | 6,292,000 | 7,879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,975,000 | 82,052,000 | 83,188,000 | 83,738,000 |
| Total capital | 86,702,000 | 87,663,000 | 88,839,000 | 89,613,000 |
| Risk-weighted assets | 502,585,000 | 513,700,000 | 512,609,000 | 509,587,000 |
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