Call reports 2018
WAYNE COUNTY BANK — 2018
What WAYNE COUNTY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 317,047,000 | 318,294,000 | 313,028,000 | 311,746,000 |
| Total loans | 231,444,000 | 234,188,000 | 236,460,000 | 232,937,000 |
| Allowance for loan losses | 4,401,000 | 4,359,000 | 4,322,000 | 4,221,000 |
| Securities available for sale | 28,882,000 | 28,476,000 | 25,672,000 | 27,546,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,644,000 | 265,923,000 | 259,746,000 | 257,959,000 |
| Interest-bearing deposits | 231,975,000 | 232,067,000 | 227,127,000 | 224,438,000 |
| Noninterest-bearing deposits | 33,669,000 | 33,856,000 | 32,619,000 | 33,521,000 |
| Equity capital | 43,183,000 | 43,481,000 | 43,985,000 | 44,528,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,756,000 | 7,517,000 | 11,491,000 | 15,435,000 |
| Interest expense | 664,000 | 1,442,000 | 2,313,000 | 3,222,000 |
| Net interest income | 3,092,000 | 6,075,000 | 9,178,000 | 12,213,000 |
| Noninterest income | 528,000 | 1,061,000 | 1,517,000 | 2,012,000 |
| Noninterest expense | 2,348,000 | 4,702,000 | 7,145,000 | 9,239,000 |
| Provision for loan losses | 100,000 | 250,000 | 400,000 | 500,000 |
| Pretax income | 1,172,000 | 2,184,000 | 3,150,000 | 4,460,000 |
| Income tax | 324,000 | 608,000 | 880,000 | 1,331,000 |
| Net income | 848,000 | 1,576,000 | 2,270,000 | 3,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,503,000 | 43,831,000 | 44,526,000 | 44,784,000 |
| Total capital | 46,666,000 | 47,043,000 | 47,739,000 | 47,986,000 |
| Risk-weighted assets | 251,867,000 | 255,827,000 | 255,957,000 | 255,204,000 |