Call reports 2016
WAYNE BANK — 2016
What WAYNE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 758,928,000 | 766,217,000 | 1,123,605,000 | 1,110,209,000 |
| Total loans | 566,201,000 | 581,715,000 | 706,746,000 | 714,420,000 |
| Allowance for loan losses | 7,642,000 | 5,798,000 | 6,164,000 | 6,463,000 |
| Securities available for sale | 143,599,000 | 129,368,000 | 309,742,000 | 302,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 562,008,000 | 585,492,000 | 932,348,000 | 928,390,000 |
| Interest-bearing deposits | 535,506,000 | 556,842,000 | 884,498,000 | 882,496,000 |
| Noninterest-bearing deposits | 26,502,000 | 28,650,000 | 47,850,000 | 45,894,000 |
| Equity capital | 98,007,000 | 99,874,000 | 110,594,000 | 105,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,023,000 | 14,254,000 | 22,779,000 | 32,232,000 |
| Interest expense | 851,000 | 1,691,000 | 2,607,000 | 3,610,000 |
| Net interest income | 6,172,000 | 12,563,000 | 20,172,000 | 28,622,000 |
| Noninterest income | 1,022,000 | 2,090,000 | 3,454,000 | 4,956,000 |
| Noninterest expense | 4,291,000 | 8,776,000 | 15,433,000 | 21,882,000 |
| Provision for loan losses | 450,000 | 1,150,000 | 1,600,000 | 2,050,000 |
| Pretax income | 2,517,000 | 4,997,000 | 6,863,000 | 9,930,000 |
| Income tax | 593,000 | 1,135,000 | 1,452,000 | 2,109,000 |
| Net income | 1,924,000 | 3,862,000 | 5,411,000 | 7,821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,394,000 | 87,220,000 | 93,962,000 | 95,431,000 |
| Total capital | 93,614,000 | 93,018,000 | 100,126,000 | 101,894,000 |
| Risk-weighted assets | 577,201,000 | 586,208,000 | 752,918,000 | 762,342,000 |