Call reports 2008
WAYLAND STATE BANK — 2008
What WAYLAND STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 66,421,000 | 67,514,000 | 69,978,000 | 70,172,000 |
| Total loans | 36,086,000 | 36,459,000 | 38,262,000 | 39,700,000 |
| Allowance for loan losses | 787,000 | 788,000 | 788,000 | 786,000 |
| Securities available for sale | 18,956,000 | 19,956,000 | 19,989,000 | 21,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,740,000 | 52,962,000 | 55,253,000 | 55,185,000 |
| Interest-bearing deposits | 42,973,000 | 44,028,000 | 45,990,000 | 45,847,000 |
| Noninterest-bearing deposits | 8,767,000 | 8,934,000 | 9,263,000 | 9,338,000 |
| Equity capital | 10,420,000 | 10,410,000 | 10,596,000 | 10,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 962,000 | 1,901,000 | 2,824,000 | 3,775,000 |
| Interest expense | 382,000 | 765,000 | 1,127,000 | 1,452,000 |
| Net interest income | 580,000 | 1,136,000 | 1,697,000 | 2,323,000 |
| Noninterest income | 111,000 | 186,000 | 261,000 | 426,000 |
| Noninterest expense | 294,000 | 567,000 | 888,000 | 1,321,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 397,000 | 755,000 | 1,070,000 | 1,428,000 |
| Income tax | 118,000 | 223,000 | 307,000 | 389,000 |
| Net income | 279,000 | 532,000 | 763,000 | 1,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,203,000 | 10,356,000 | 10,587,000 | 10,764,000 |
| Total capital | 10,740,000 | 10,900,000 | 11,163,000 | 11,352,000 |
| Risk-weighted assets | 42,672,000 | 43,261,000 | 45,880,000 | 46,818,000 |
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