Call reports 2006
WAYLAND STATE BANK — 2006
What WAYLAND STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 62,423,000 | 63,062,000 | 62,782,000 | 63,294,000 |
| Total loans | 35,439,000 | 36,580,000 | 37,205,000 | 36,556,000 |
| Allowance for loan losses | 758,000 | 758,000 | 760,000 | 761,000 |
| Securities available for sale | 22,972,000 | 22,066,000 | 21,186,000 | 20,092,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,881,000 | 50,126,000 | 48,211,000 | 50,173,000 |
| Interest-bearing deposits | 41,778,000 | 41,719,000 | 41,036,000 | 41,514,000 |
| Noninterest-bearing deposits | 8,103,000 | 8,407,000 | 7,175,000 | 8,659,000 |
| Equity capital | 8,486,000 | 8,577,000 | 8,980,000 | 9,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 831,000 | 1,701,000 | 2,595,000 | 3,499,000 |
| Interest expense | 291,000 | 609,000 | 950,000 | 1,302,000 |
| Net interest income | 540,000 | 1,092,000 | 1,645,000 | 2,197,000 |
| Noninterest income | 60,000 | 138,000 | 229,000 | 368,000 |
| Noninterest expense | 285,000 | 570,000 | 856,000 | 1,299,000 |
| Provision for loan losses | 0 | 0 | 0 | 32,000 |
| Pretax income | 315,000 | 660,000 | 1,018,000 | 1,234,000 |
| Income tax | 113,000 | 209,000 | 324,000 | 363,000 |
| Net income | 202,000 | 451,000 | 694,000 | 871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,664,000 | 8,832,000 | 9,053,000 | 9,140,000 |
| Total capital | 9,175,000 | 9,352,000 | 9,585,000 | 9,666,000 |
| Risk-weighted assets | 40,667,000 | 41,329,000 | 42,351,000 | 41,822,000 |
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