Call reports 2007
WAYLAND STATE BANK — 2007
What WAYLAND STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 65,164,000 | 65,673,000 | 63,376,000 | 64,026,000 |
| Total loans | 37,046,000 | 37,466,000 | 36,588,000 | 37,342,000 |
| Allowance for loan losses | 759,000 | 756,000 | 757,000 | 758,000 |
| Securities available for sale | 19,948,000 | 19,128,000 | 20,738,000 | 20,792,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,652,000 | 51,866,000 | 49,304,000 | 49,851,000 |
| Interest-bearing deposits | 42,256,000 | 43,344,000 | 40,943,000 | 41,733,000 |
| Noninterest-bearing deposits | 9,396,000 | 8,522,000 | 8,361,000 | 8,118,000 |
| Equity capital | 9,358,000 | 9,586,000 | 9,924,000 | 10,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 929,000 | 1,910,000 | 2,897,000 | 3,896,000 |
| Interest expense | 367,000 | 772,000 | 1,187,000 | 1,577,000 |
| Net interest income | 562,000 | 1,138,000 | 1,710,000 | 2,319,000 |
| Noninterest income | 114,000 | 193,000 | 275,000 | 415,000 |
| Noninterest expense | 286,000 | 532,000 | 827,000 | 1,330,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 390,000 | 799,000 | 1,158,000 | 1,404,000 |
| Income tax | 133,000 | 253,000 | 377,000 | 386,000 |
| Net income | 257,000 | 546,000 | 781,000 | 1,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,397,000 | 9,686,000 | 9,893,000 | 9,996,000 |
| Total capital | 9,932,000 | 10,226,000 | 10,427,000 | 10,536,000 |
| Risk-weighted assets | 42,562,000 | 42,974,000 | 42,462,000 | 43,011,000 |
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