Call reports 2023
WAYNE BANK — 2023
What WAYNE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 2,105,522,000 | 2,142,813,000 | 2,180,781,000 | 2,202,203,000 |
| Total loans | 1,535,775,000 | 1,577,822,000 | 1,611,177,000 | 1,603,719,000 |
| Allowance for loan losses | 19,445,000 | 17,483,000 | 16,086,000 | 18,968,000 |
| Securities available for sale | 418,245,000 | 403,621,000 | 380,499,000 | 406,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,760,251,000 | 1,733,004,000 | 1,747,634,000 | 1,796,859,000 |
| Interest-bearing deposits | 1,336,320,000 | 1,306,240,000 | 1,316,581,000 | 1,387,838,000 |
| Noninterest-bearing deposits | 423,931,000 | 426,764,000 | 431,053,000 | 409,021,000 |
| Equity capital | 173,210,000 | 173,315,000 | 164,688,000 | 180,508,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 21,711,000 | 44,946,000 | 69,455,000 | 95,538,000 |
| Interest expense | 5,617,000 | 13,212,000 | 22,681,000 | 33,473,000 |
| Net interest income | 16,094,000 | 31,734,000 | 46,774,000 | 62,065,000 |
| Noninterest income | 1,907,000 | 3,728,000 | 6,033,000 | 8,158,000 |
| Noninterest expense | 10,444,000 | 21,206,000 | 32,347,000 | 43,129,000 |
| Provision for loan losses | 300,000 | -1,434,000 | -482,000 | 5,581,000 |
| Pretax income | 7,259,000 | 15,497,000 | 20,819,000 | 21,336,000 |
| Income tax | 1,397,000 | 3,004,000 | 3,975,000 | 3,988,000 |
| Net income | 5,862,000 | 12,493,000 | 16,844,000 | 17,348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 194,390,000 | 198,804,000 | 200,930,000 | 199,210,000 |
| Total capital | 212,337,000 | 215,092,000 | 215,751,000 | 216,966,000 |
| Risk-weighted assets | 1,611,589,000 | 1,651,346,000 | 1,687,942,000 | 1,666,621,000 |