Call reports 2018
WAYNE BANK — 2018
What WAYNE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,127,701,000 | 1,151,185,000 | 1,157,306,000 | 1,185,512,000 |
| Total loans | 776,153,000 | 804,323,000 | 819,775,000 | 850,738,000 |
| Allowance for loan losses | 8,099,000 | 8,326,000 | 8,280,000 | 8,452,000 |
| Securities available for sale | 265,862,000 | 259,442,000 | 247,517,000 | 243,277,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 942,121,000 | 952,826,000 | 941,633,000 | 949,290,000 |
| Interest-bearing deposits | 895,323,000 | 901,168,000 | 895,383,000 | 902,312,000 |
| Noninterest-bearing deposits | 46,798,000 | 51,658,000 | 46,250,000 | 46,978,000 |
| Equity capital | 112,486,000 | 114,088,000 | 115,144,000 | 120,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 10,029,000 | 20,465,000 | 31,251,000 | 42,495,000 |
| Interest expense | 1,222,000 | 2,444,000 | 3,841,000 | 5,657,000 |
| Net interest income | 8,807,000 | 18,021,000 | 27,410,000 | 36,838,000 |
| Noninterest income | 1,510,000 | 3,268,000 | 5,304,000 | 6,838,000 |
| Noninterest expense | 6,099,000 | 12,400,000 | 18,895,000 | 25,533,000 |
| Provision for loan losses | 550,000 | 975,000 | 1,350,000 | 1,725,000 |
| Pretax income | 3,810,000 | 8,114,000 | 12,682,000 | 16,631,000 |
| Income tax | 566,000 | 1,241,000 | 1,976,000 | 2,580,000 |
| Net income | 3,244,000 | 6,873,000 | 10,706,000 | 14,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,806,000 | 108,150,000 | 110,691,000 | 112,691,000 |
| Total capital | 113,905,000 | 116,476,000 | 118,971,000 | 121,143,000 |
| Risk-weighted assets | 814,371,000 | 839,478,000 | 851,423,000 | 879,059,000 |