Call reports 2010
WAYLAND STATE BANK — 2010
What WAYLAND STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 72,273,000 | 71,518,000 | 69,428,000 | 71,324,000 |
| Total loans | 39,096,000 | 39,226,000 | 39,308,000 | 38,625,000 |
| Allowance for loan losses | 742,000 | 707,000 | 689,000 | 752,000 |
| Securities available for sale | 24,230,000 | 20,491,000 | 19,733,000 | 22,595,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,151,000 | 56,066,000 | 54,845,000 | 56,886,000 |
| Interest-bearing deposits | 46,276,000 | 46,038,000 | 45,820,000 | 46,581,000 |
| Noninterest-bearing deposits | 10,875,000 | 10,028,000 | 9,025,000 | 10,305,000 |
| Equity capital | 12,210,000 | 12,536,000 | 12,831,000 | 12,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 842,000 | 1,680,000 | 2,492,000 | 3,292,000 |
| Interest expense | 168,000 | 321,000 | 470,000 | 611,000 |
| Net interest income | 674,000 | 1,359,000 | 2,022,000 | 2,681,000 |
| Noninterest income | 73,000 | 145,000 | 205,000 | 327,000 |
| Noninterest expense | 320,000 | 609,000 | 973,000 | 1,508,000 |
| Provision for loan losses | 30,000 | 60,000 | 120,000 | 180,000 |
| Pretax income | 397,000 | 835,000 | 1,134,000 | 1,320,000 |
| Income tax | 96,000 | 238,000 | 317,000 | 320,000 |
| Net income | 301,000 | 597,000 | 817,000 | 1,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,881,000 | 12,178,000 | 12,398,000 | 12,463,000 |
| Total capital | 12,481,000 | 12,773,000 | 12,986,000 | 13,051,000 |
| Risk-weighted assets | 47,849,000 | 47,491,000 | 46,963,000 | 46,863,000 |
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