Call reports 2020
WAYNE COUNTY BANK — 2020
What WAYNE COUNTY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 319,236,000 | 337,415,000 | 344,732,000 | 350,667,000 |
| Total loans | 219,641,000 | 243,384,000 | 245,346,000 | 237,149,000 |
| Allowance for loan losses | 3,893,000 | 3,876,000 | 4,152,000 | 3,537,000 |
| Securities available for sale | 30,613,000 | 29,268,000 | 29,919,000 | 31,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,111,000 | 280,077,000 | 288,084,000 | 294,315,000 |
| Interest-bearing deposits | 228,207,000 | 234,439,000 | 243,018,000 | 246,518,000 |
| Noninterest-bearing deposits | 34,904,000 | 45,638,000 | 45,066,000 | 47,797,000 |
| Equity capital | 48,057,000 | 48,979,000 | 49,747,000 | 50,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,789,000 | 8,035,000 | 11,834,000 | 15,344,000 |
| Interest expense | 854,000 | 1,594,000 | 2,285,000 | 2,935,000 |
| Net interest income | 2,935,000 | 6,441,000 | 9,549,000 | 12,409,000 |
| Noninterest income | 512,000 | 684,000 | 1,088,000 | 1,543,000 |
| Noninterest expense | 2,172,000 | 4,409,000 | 6,647,000 | 8,920,000 |
| Provision for loan losses | 100,000 | 150,000 | 475,000 | 475,000 |
| Pretax income | 1,174,000 | 2,565,000 | 3,520,000 | 4,557,000 |
| Income tax | 271,000 | 599,000 | 812,000 | 1,038,000 |
| Net income | 903,000 | 1,966,000 | 2,708,000 | 3,519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,552,000 | 48,216,000 | 48,957,000 | 49,169,000 |