Call reports 2017
WAYNE COUNTY BANK — 2017
What WAYNE COUNTY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 314,135,000 | 307,505,000 | 307,238,000 | 307,626,000 |
| Total loans | 225,199,000 | 226,010,000 | 228,709,000 | 228,525,000 |
| Allowance for loan losses | 4,832,000 | 4,896,000 | 4,828,000 | 4,361,000 |
| Securities available for sale | 29,973,000 | 32,266,000 | 33,152,000 | 33,584,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,755,000 | 258,637,000 | 256,040,000 | 256,886,000 |
| Interest-bearing deposits | 233,166,000 | 228,543,000 | 226,838,000 | 225,792,000 |
| Noninterest-bearing deposits | 30,589,000 | 30,094,000 | 29,202,000 | 31,094,000 |
| Equity capital | 41,169,000 | 41,823,000 | 42,663,000 | 42,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,671,000 | 7,450,000 | 11,199,000 | 15,156,000 |
| Interest expense | 594,000 | 1,210,000 | 1,826,000 | 2,456,000 |
| Net interest income | 3,077,000 | 6,240,000 | 9,373,000 | 12,700,000 |
| Noninterest income | 538,000 | 1,050,000 | 1,573,000 | 2,065,000 |
| Noninterest expense | 2,145,000 | 4,224,000 | 6,428,000 | 8,788,000 |
| Provision for loan losses | 325,000 | 600,000 | 800,000 | 1,000,000 |
| Pretax income | 1,145,000 | 2,466,000 | 3,718,000 | 4,977,000 |
| Income tax | 384,000 | 833,000 | 1,252,000 | 1,828,000 |
| Net income | 761,000 | 1,633,000 | 2,466,000 | 3,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,267,000 | 41,740,000 | 42,572,000 | 42,655,000 |
| Total capital | 44,385,000 | 44,848,000 | 45,692,000 | 45,768,000 |
| Risk-weighted assets | 247,796,000 | 246,887,000 | 247,956,000 | 247,832,000 |