Call reports 2024
WAYNE COUNTY BANK — 2024
What WAYNE COUNTY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 480,697,000 | 499,145,000 | 523,416,000 | 538,333,000 |
| Total loans | 341,471,000 | 355,011,000 | 364,091,000 | 380,443,000 |
| Allowance for loan losses | 4,546,000 | 4,716,000 | 4,420,000 | 4,495,000 |
| Securities available for sale | 76,582,000 | 75,719,000 | 76,802,000 | 74,572,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 415,558,000 | 432,937,000 | 447,952,000 | 462,768,000 |
| Interest-bearing deposits | 337,047,000 | 345,992,000 | 363,858,000 | 375,836,000 |
| Noninterest-bearing deposits | 78,511,000 | 86,945,000 | 84,094,000 | 86,932,000 |
| Equity capital | 60,642,000 | 61,661,000 | 64,773,000 | 65,030,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 7,567,000 | 15,693,000 | 24,251,000 | 32,969,000 |
| Interest expense | 2,879,000 | 5,991,000 | 9,363,000 | 12,882,000 |
| Net interest income | 4,688,000 | 9,702,000 | 14,888,000 | 20,087,000 |
| Noninterest income | 577,000 | 1,234,000 | 1,893,000 | 2,784,000 |
| Noninterest expense | 2,624,000 | 5,419,000 | 8,224,000 | 11,164,000 |
| Provision for loan losses | 150,000 | 300,000 | 0 | 150,000 |
| Pretax income | 2,491,000 | 5,217,000 | 7,807,000 | 10,807,000 |
| Income tax | 645,000 | 1,353,000 | 1,960,000 | 2,790,000 |
| Net income | 1,846,000 | 3,864,000 | 5,847,000 | 8,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,201,000 | 65,219,000 | 67,202,000 | 68,173,000 |
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