Call reports 2023
WAYNE COUNTY BANK — 2023
What WAYNE COUNTY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 441,191,000 | 451,217,000 | 455,668,000 | 469,330,000 |
| Total loans | 293,812,000 | 310,620,000 | 322,420,000 | 334,596,000 |
| Allowance for loan losses | 3,793,000 | 3,881,000 | 4,386,000 | 4,391,000 |
| Securities available for sale | 77,770,000 | 76,957,000 | 75,367,000 | 69,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,349,000 | 393,204,000 | 395,138,000 | 406,075,000 |
| Interest-bearing deposits | 315,549,000 | 326,189,000 | 326,737,000 | 328,758,000 |
| Noninterest-bearing deposits | 66,800,000 | 67,015,000 | 68,401,000 | 77,317,000 |
| Equity capital | 53,532,000 | 53,617,000 | 55,974,000 | 58,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,453,000 | 11,724,000 | 18,455,000 | 25,690,000 |
| Interest expense | 1,632,000 | 3,846,000 | 6,432,000 | 9,181,000 |
| Net interest income | 3,821,000 | 7,878,000 | 12,023,000 | 16,509,000 |
| Noninterest income | 660,000 | 1,309,000 | 6,313,000 | 7,381,000 |
| Noninterest expense | 2,521,000 | 5,091,000 | 8,269,000 | 11,507,000 |
| Provision for loan losses | 200,000 | 375,000 | 875,000 | 875,000 |
| Pretax income | 1,760,000 | 3,711,000 | 9,182,000 | 11,272,000 |
| Income tax | 442,000 | 934,000 | 2,345,000 | 2,750,000 |
| Net income | 1,318,000 | 2,777,000 | 6,837,000 | 8,522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,151,000 | 57,810,000 | 61,870,000 | 62,355,000 |