Call reports 2021
WAYNE COUNTY BANK — 2021
What WAYNE COUNTY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 363,950,000 | 371,346,000 | 387,364,000 | 393,890,000 |
| Total loans | 232,374,000 | 238,815,000 | 236,542,000 | 230,177,000 |
| Allowance for loan losses | 3,526,000 | 3,359,000 | 3,360,000 | 3,470,000 |
| Securities available for sale | 33,540,000 | 35,601,000 | 38,442,000 | 43,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,898,000 | 313,839,000 | 329,167,000 | 335,240,000 |
| Interest-bearing deposits | 251,257,000 | 260,821,000 | 263,886,000 | 276,389,000 |
| Noninterest-bearing deposits | 55,641,000 | 53,018,000 | 65,281,000 | 58,851,000 |
| Equity capital | 50,670,000 | 51,372,000 | 52,168,000 | 53,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,508,000 | 7,599,000 | 11,089,000 | 14,627,000 |
| Interest expense | 553,000 | 1,069,000 | 1,547,000 | 1,990,000 |
| Net interest income | 2,955,000 | 6,530,000 | 9,542,000 | 12,637,000 |
| Noninterest income | 485,000 | 660,000 | 1,143,000 | 3,595,000 |
| Noninterest expense | 2,340,000 | 4,748,000 | 7,002,000 | 9,593,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 300,000 |
| Pretax income | 1,100,000 | 2,342,000 | 3,583,000 | 6,339,000 |
| Income tax | 275,000 | 536,000 | 820,000 | 1,474,000 |
| Net income | 825,000 | 1,806,000 | 2,763,000 | 4,865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,993,000 | 50,575,000 | 51,531,000 | 52,634,000 |