Call reports 2019
WAYNE BANK — 2019
What WAYNE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,204,453,000 | 1,223,296,000 | 1,216,568,000 | 1,231,695,000 |
| Total loans | 864,725,000 | 888,159,000 | 906,023,000 | 924,989,000 |
| Allowance for loan losses | 8,349,000 | 8,228,000 | 8,405,000 | 8,509,000 |
| Securities available for sale | 240,621,000 | 238,083,000 | 211,199,000 | 210,205,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 976,721,000 | 983,437,000 | 976,699,000 | 960,377,000 |
| Interest-bearing deposits | 930,505,000 | 928,269,000 | 923,809,000 | 920,053,000 |
| Noninterest-bearing deposits | 46,216,000 | 55,168,000 | 52,890,000 | 40,324,000 |
| Equity capital | 125,280,000 | 129,957,000 | 133,192,000 | 135,432,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 11,426,000 | 23,240,000 | 35,297,000 | 47,282,000 |
| Interest expense | 2,154,000 | 4,358,000 | 6,526,000 | 8,677,000 |
| Net interest income | 9,272,000 | 18,882,000 | 28,771,000 | 38,605,000 |
| Noninterest income | 1,570,000 | 3,209,000 | 4,927,000 | 6,634,000 |
| Noninterest expense | 6,554,000 | 13,305,000 | 19,991,000 | 26,921,000 |
| Provision for loan losses | 450,000 | 750,000 | 1,050,000 | 1,250,000 |
| Pretax income | 3,838,000 | 8,100,000 | 12,889,000 | 17,322,000 |
| Income tax | 555,000 | 1,199,000 | 1,996,000 | 2,702,000 |
| Net income | 3,283,000 | 6,901,000 | 10,893,000 | 14,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 114,675,000 | 116,862,000 | 119,417,000 | 121,711,000 |
| Total capital | 123,024,000 | 125,090,000 | 127,822,000 | 130,220,000 |
| Risk-weighted assets | 900,006,000 | 920,761,000 | 931,729,000 | 947,010,000 |