Call reports 2020
WAYNE BANK — 2020
What WAYNE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,242,897,000 | 1,346,614,000 | 1,842,946,000 | 1,853,047,000 |
| Total loans | 928,946,000 | 989,031,000 | 1,414,973,000 | 1,411,019,000 |
| Allowance for loan losses | 9,088,000 | 10,312,000 | 11,674,000 | 13,150,000 |
| Securities available for sale | 196,998,000 | 196,735,000 | 197,414,000 | 226,586,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 992,776,000 | 1,087,049,000 | 1,516,216,000 | 1,536,240,000 |
| Interest-bearing deposits | 952,057,000 | 1,027,612,000 | 1,143,677,000 | 1,175,817,000 |
| Noninterest-bearing deposits | 40,719,000 | 59,437,000 | 372,539,000 | 360,423,000 |
| Equity capital | 140,148,000 | 134,139,000 | 191,058,000 | 195,034,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 11,867,000 | 23,716,000 | 41,027,000 | 58,454,000 |
| Interest expense | 2,204,000 | 4,185,000 | 6,165,000 | 7,979,000 |
| Net interest income | 9,663,000 | 19,531,000 | 34,862,000 | 50,475,000 |
| Noninterest income | 1,624,000 | 3,033,000 | 5,076,000 | 7,585,000 |
| Noninterest expense | 6,987,000 | 14,022,000 | 23,107,000 | 32,768,000 |
| Provision for loan losses | 700,000 | 2,000,000 | 3,850,000 | 5,450,000 |
| Pretax income | 3,638,000 | 6,580,000 | 13,052,000 | 19,913,000 |
| Income tax | 480,000 | 905,000 | 2,059,000 | 3,308,000 |
| Net income | 3,158,000 | 5,675,000 | 10,993,000 | 16,605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 123,360,000 | 116,867,000 | 154,647,000 | 159,202,000 |
| Total capital | 132,448,000 | 127,179,000 | 166,321,000 | 172,352,000 |
| Risk-weighted assets | 947,716,000 | 941,878,000 | 1,338,291,000 | 1,365,228,000 |