Call reports 2015
WAYNE BANK — 2015
What WAYNE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 733,082,000 | 750,251,000 | 747,986,000 | 749,348,000 |
| Total loans | 519,182,000 | 539,170,000 | 543,908,000 | 560,308,000 |
| Allowance for loan losses | 6,007,000 | 5,947,000 | 5,747,000 | 7,298,000 |
| Securities available for sale | 155,298,000 | 150,919,000 | 152,937,000 | 138,468,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 571,977,000 | 577,348,000 | 573,082,000 | 553,060,000 |
| Interest-bearing deposits | 546,058,000 | 546,335,000 | 544,315,000 | 524,637,000 |
| Noninterest-bearing deposits | 25,919,000 | 31,013,000 | 28,767,000 | 28,423,000 |
| Equity capital | 95,699,000 | 95,160,000 | 97,091,000 | 95,895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,086,000 | 13,965,000 | 20,836,000 | 27,769,000 |
| Interest expense | 782,000 | 1,614,000 | 2,434,000 | 3,258,000 |
| Net interest income | 6,304,000 | 12,351,000 | 18,402,000 | 24,511,000 |
| Noninterest income | 914,000 | 1,715,000 | 2,739,000 | 3,693,000 |
| Noninterest expense | 4,047,000 | 7,922,000 | 11,957,000 | 16,412,000 |
| Provision for loan losses | 620,000 | 1,040,000 | 1,760,000 | 4,580,000 |
| Pretax income | 2,862,000 | 5,549,000 | 7,932,000 | 7,838,000 |
| Income tax | 766,000 | 1,429,000 | 2,003,000 | 1,731,000 |
| Net income | 2,096,000 | 4,120,000 | 5,929,000 | 6,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,979,000 | 85,888,000 | 86,581,000 | 85,638,000 |
| Total capital | 90,986,000 | 91,835,000 | 92,328,000 | 92,776,000 |
| Risk-weighted assets | 526,047,000 | 549,107,000 | 553,128,000 | 570,894,000 |