Call reports 2025
WAYNE COUNTY BANK — 2025
What WAYNE COUNTY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 545,725,000 | 566,819,000 | 568,402,000 | 578,524,000 |
| Total loans | 386,227,000 | 405,364,000 | 414,028,000 | 425,966,000 |
| Allowance for loan losses | 4,587,000 | 4,717,000 | 4,838,000 | 4,876,000 |
| Securities available for sale | 73,000,000 | 61,472,000 | 61,328,000 | 61,961,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 467,956,000 | 487,997,000 | 486,353,000 | 494,633,000 |
| Interest-bearing deposits | 395,769,000 | 414,823,000 | 414,102,000 | 418,709,000 |
| Noninterest-bearing deposits | 72,187,000 | 73,174,000 | 72,251,000 | 75,924,000 |
| Equity capital | 67,234,000 | 68,335,000 | 71,606,000 | 73,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,675,000 | 17,574,000 | 26,927,000 | 36,104,000 |
| Interest expense | 3,498,000 | 6,994,000 | 10,524,000 | 13,939,000 |
| Net interest income | 5,177,000 | 10,580,000 | 16,403,000 | 22,165,000 |
| Noninterest income | 821,000 | 1,675,000 | 2,539,000 | 3,285,000 |
| Noninterest expense | 2,878,000 | 5,703,000 | 8,559,000 | 11,588,000 |
| Provision for loan losses | 126,000 | 250,000 | 500,000 | 650,000 |
| Pretax income | 2,970,000 | 6,228,000 | 9,809,000 | 13,138,000 |
| Income tax | 774,000 | 1,623,000 | 2,558,000 | 3,405,000 |
| Net income | 2,196,000 | 4,605,000 | 7,251,000 | 9,733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,369,000 | 71,578,000 | 74,224,000 | 75,505,000 |
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