Call reports 2019
WAYNE COUNTY BANK — 2019
What WAYNE COUNTY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 320,039,000 | 316,081,000 | 314,316,000 | 315,573,000 |
| Total loans | 231,273,000 | 229,737,000 | 224,505,000 | 222,353,000 |
| Allowance for loan losses | 4,126,000 | 4,113,000 | 4,079,000 | 3,850,000 |
| Securities available for sale | 26,657,000 | 29,082,000 | 27,748,000 | 29,311,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,378,000 | 261,000,000 | 258,681,000 | 260,418,000 |
| Interest-bearing deposits | 230,404,000 | 227,495,000 | 225,179,000 | 226,560,000 |
| Noninterest-bearing deposits | 34,974,000 | 33,505,000 | 33,502,000 | 33,858,000 |
| Equity capital | 45,231,000 | 46,216,000 | 46,951,000 | 46,987,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,845,000 | 7,759,000 | 11,636,000 | 15,618,000 |
| Interest expense | 965,000 | 1,972,000 | 2,963,000 | 3,910,000 |
| Net interest income | 2,880,000 | 5,787,000 | 8,673,000 | 11,708,000 |
| Noninterest income | 407,000 | 1,107,000 | 1,363,000 | 1,688,000 |
| Noninterest expense | 2,659,000 | 4,624,000 | 6,790,000 | 8,974,000 |
| Provision for loan losses | 50,000 | 200,000 | 300,000 | 400,000 |
| Pretax income | 583,000 | 2,075,000 | 2,951,000 | 4,027,000 |
| Income tax | 184,000 | 537,000 | 787,000 | 1,162,000 |
| Net income | 399,000 | 1,538,000 | 2,164,000 | 2,865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,183,000 | 45,922,000 | 46,549,000 | 46,649,000 |
| Total capital | 48,362,000 | 49,128,000 | 49,667,000 | 49,750,000 |
| Risk-weighted assets | 253,407,000 | 255,600,000 | 248,540,000 | 247,338,000 |
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