Call reports 2025
WAYNE BANK — 2025
What WAYNE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,377,289,000 | 2,366,498,000 | 2,413,031,000 | 2,426,477,000 |
| Total loans | 1,764,591,000 | 1,783,692,000 | 1,807,498,000 | 1,846,102,000 |
| Allowance for loan losses | 20,442,000 | 20,908,000 | 19,911,000 | 19,882,000 |
| Securities available for sale | 408,742,000 | 402,460,000 | 403,989,000 | 408,782,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,006,459,000 | 1,999,440,000 | 2,099,998,000 | 2,105,046,000 |
| Interest-bearing deposits | 1,613,071,000 | 1,591,476,000 | 1,649,941,000 | 1,659,048,000 |
| Noninterest-bearing deposits | 393,388,000 | 407,964,000 | 450,057,000 | 445,998,000 |
| Equity capital | 220,121,000 | 225,018,000 | 209,864,000 | 217,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 30,069,000 | 61,258,000 | 93,419,000 | 126,308,000 |
| Interest expense | 12,228,000 | 24,368,000 | 36,102,000 | 48,204,000 |
| Net interest income | 17,841,000 | 36,890,000 | 57,317,000 | 78,104,000 |
| Noninterest income | 2,371,000 | 4,638,000 | 7,187,000 | 9,860,000 |
| Noninterest expense | 11,844,000 | 24,121,000 | 36,555,000 | 49,788,000 |
| Provision for loan losses | 923,000 | 1,764,000 | 1,372,000 | 1,930,000 |
| Pretax income | 7,511,000 | 15,600,000 | 26,644,000 | 36,403,000 |
| Income tax | 1,443,000 | 3,004,000 | 5,189,000 | 7,080,000 |
| Net income | 6,068,000 | 12,596,000 | 21,455,000 | 29,323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 218,113,000 | 221,846,000 | 202,908,000 | 209,150,000 |
| Total capital | 238,409,000 | 242,717,000 | 222,672,000 | 228,796,000 |
| Risk-weighted assets | 1,812,568,000 | 1,832,900,000 | 1,858,829,000 | 1,893,917,000 |