Call reports 2009
WAYLAND STATE BANK — 2009
What WAYLAND STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 73,087,000 | 74,524,000 | 74,114,000 | 75,032,000 |
| Total loans | 39,787,000 | 38,453,000 | 39,179,000 | 38,619,000 |
| Allowance for loan losses | 754,000 | 754,000 | 749,000 | 712,000 |
| Securities available for sale | 20,937,000 | 22,241,000 | 22,156,000 | 24,569,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,689,000 | 58,866,000 | 58,562,000 | 59,508,000 |
| Interest-bearing deposits | 47,824,000 | 49,919,000 | 49,170,000 | 47,976,000 |
| Noninterest-bearing deposits | 9,865,000 | 8,947,000 | 9,392,000 | 11,532,000 |
| Equity capital | 11,235,000 | 11,512,000 | 11,883,000 | 11,889,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 904,000 | 1,803,000 | 2,665,000 | 3,512,000 |
| Interest expense | 267,000 | 513,000 | 741,000 | 943,000 |
| Net interest income | 637,000 | 1,290,000 | 1,924,000 | 2,569,000 |
| Noninterest income | 62,000 | 134,000 | 211,000 | 330,000 |
| Noninterest expense | 293,000 | 615,000 | 947,000 | 1,407,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 130,000 |
| Pretax income | 406,000 | 809,000 | 1,138,000 | 1,362,000 |
| Income tax | 122,000 | 235,000 | 324,000 | 365,000 |
| Net income | 284,000 | 574,000 | 814,000 | 997,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,008,000 | 11,298,000 | 11,538,000 | 11,595,000 |
| Total capital | 11,593,000 | 11,888,000 | 12,137,000 | 12,196,000 |
| Risk-weighted assets | 46,611,000 | 47,033,000 | 47,763,000 | 48,003,000 |
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