Call reports 2015
WAYNE COUNTY BANK — 2015
What WAYNE COUNTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 305,376,000 | 304,339,000 | 307,010,000 | 307,336,000 |
| Total loans | 224,655,000 | 224,721,000 | 223,359,000 | 219,728,000 |
| Allowance for loan losses | 4,967,000 | 5,301,000 | 4,636,000 | 4,507,000 |
| Securities available for sale | 19,746,000 | 20,740,000 | 24,088,000 | 24,877,000 |
| Securities held to maturity | 50,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,998,000 | 251,166,000 | 257,142,000 | 257,147,000 |
| Interest-bearing deposits | 223,410,000 | 222,157,000 | 226,832,000 | 223,984,000 |
| Noninterest-bearing deposits | 28,588,000 | 29,009,000 | 30,310,000 | 33,163,000 |
| Equity capital | 37,152,000 | 37,521,000 | 38,103,000 | 38,440,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,545,000 | 7,169,000 | 10,849,000 | 14,463,000 |
| Interest expense | 552,000 | 1,104,000 | 1,655,000 | 2,208,000 |
| Net interest income | 2,993,000 | 6,065,000 | 9,194,000 | 12,255,000 |
| Noninterest income | 398,000 | 864,000 | 1,311,000 | 1,787,000 |
| Noninterest expense | 2,006,000 | 4,161,000 | 6,250,000 | 8,240,000 |
| Provision for loan losses | 300,000 | 575,000 | 1,375,000 | 1,950,000 |
| Pretax income | 1,085,000 | 2,193,000 | 2,880,000 | 3,852,000 |
| Income tax | 374,000 | 754,000 | 972,000 | 1,287,000 |
| Net income | 711,000 | 1,439,000 | 1,908,000 | 2,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,992,000 | 37,520,000 | 37,990,000 | 38,246,000 |
| Total capital | 40,093,000 | 40,631,000 | 40,910,000 | 41,254,000 |
| Risk-weighted assets | 246,238,000 | 246,545,000 | 231,960,000 | 239,145,000 |