Call reports 2016
WAYNE COUNTY BANK — 2016
What WAYNE COUNTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 302,496,000 | 305,395,000 | 307,033,000 | 310,236,000 |
| Total loans | 225,444,000 | 229,465,000 | 231,058,000 | 226,344,000 |
| Allowance for loan losses | 4,569,000 | 4,747,000 | 5,009,000 | 4,833,000 |
| Securities available for sale | 25,684,000 | 26,161,000 | 27,901,000 | 29,694,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,257,000 | 254,804,000 | 256,249,000 | 260,167,000 |
| Interest-bearing deposits | 222,315,000 | 225,921,000 | 226,692,000 | 229,059,000 |
| Noninterest-bearing deposits | 29,942,000 | 28,883,000 | 29,557,000 | 31,108,000 |
| Equity capital | 39,286,000 | 40,076,000 | 40,719,000 | 40,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,625,000 | 7,320,000 | 11,087,000 | 14,573,000 |
| Interest expense | 559,000 | 1,132,000 | 1,724,000 | 2,324,000 |
| Net interest income | 3,066,000 | 6,188,000 | 9,363,000 | 12,249,000 |
| Noninterest income | 549,000 | 1,130,000 | 1,654,000 | 2,153,000 |
| Noninterest expense | 2,150,000 | 4,234,000 | 6,367,000 | 8,659,000 |
| Provision for loan losses | 250,000 | 650,000 | 1,050,000 | 1,500,000 |
| Pretax income | 1,215,000 | 2,434,000 | 3,600,000 | 4,243,000 |
| Income tax | 417,000 | 834,000 | 1,229,000 | 1,382,000 |
| Net income | 798,000 | 1,600,000 | 2,371,000 | 2,861,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,044,000 | 39,645,000 | 40,417,000 | 40,507,000 |
| Total capital | 42,189,000 | 42,739,000 | 43,591,000 | 43,641,000 |
| Risk-weighted assets | 250,198,000 | 245,900,000 | 252,153,000 | 249,090,000 |