Call reports 2014
WAYNE COUNTY BANK — 2014
What WAYNE COUNTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 315,045,000 | 311,954,000 | 306,825,000 | 300,784,000 |
| Total loans | 228,891,000 | 224,188,000 | 225,727,000 | 223,122,000 |
| Allowance for loan losses | 5,247,000 | 5,392,000 | 4,935,000 | 4,951,000 |
| Securities available for sale | 14,241,000 | 15,162,000 | 17,480,000 | 18,767,000 |
| Securities held to maturity | 50,000 | 50,000 | 50,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,576,000 | 259,791,000 | 255,024,000 | 248,593,000 |
| Interest-bearing deposits | 235,803,000 | 233,981,000 | 226,408,000 | 220,323,000 |
| Noninterest-bearing deposits | 27,773,000 | 25,810,000 | 28,616,000 | 28,270,000 |
| Equity capital | 35,288,000 | 35,878,000 | 35,744,000 | 36,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,615,000 | 7,318,000 | 10,909,000 | 14,560,000 |
| Interest expense | 663,000 | 1,322,000 | 1,935,000 | 2,517,000 |
| Net interest income | 2,952,000 | 5,996,000 | 8,974,000 | 12,043,000 |
| Noninterest income | 468,000 | 957,000 | 1,321,000 | 1,612,000 |
| Noninterest expense | 2,011,000 | 3,910,000 | 5,968,000 | 8,056,000 |
| Provision for loan losses | 635,000 | 1,540,000 | 3,125,000 | 3,225,000 |
| Pretax income | 774,000 | 1,503,000 | 1,206,000 | 2,379,000 |
| Income tax | 263,000 | 507,000 | 357,000 | 724,000 |
| Net income | 511,000 | 996,000 | 849,000 | 1,655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,337,000 | 35,822,000 | 35,676,000 | 36,281,000 |
| Total capital | 38,332,000 | 38,790,000 | 38,681,000 | 39,276,000 |
| Risk-weighted assets | 237,341,000 | 234,999,000 | 238,495,000 | 237,617,000 |
Machine access — free, no API key
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