Call reports 2012
WAYLAND STATE BANK — 2012
What WAYLAND STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 80,248,000 | 78,616,000 | 80,174,000 | 82,590,000 |
| Total loans | 39,888,000 | 39,722,000 | 41,036,000 | 41,759,000 |
| Allowance for loan losses | 765,000 | 742,000 | 743,000 | 743,000 |
| Securities available for sale | 25,437,000 | 24,626,000 | 24,713,000 | 25,335,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,690,000 | 62,799,000 | 64,033,000 | 66,352,000 |
| Interest-bearing deposits | 51,068,000 | 49,990,000 | 50,447,000 | 52,611,000 |
| Noninterest-bearing deposits | 13,622,000 | 12,809,000 | 13,586,000 | 13,741,000 |
| Equity capital | 13,780,000 | 14,039,000 | 14,354,000 | 14,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 745,000 | 1,503,000 | 2,216,000 | 2,940,000 |
| Interest expense | 112,000 | 222,000 | 330,000 | 433,000 |
| Net interest income | 633,000 | 1,281,000 | 1,886,000 | 2,507,000 |
| Noninterest income | 74,000 | 140,000 | 240,000 | 415,000 |
| Noninterest expense | 272,000 | 591,000 | 916,000 | 1,382,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 435,000 | 830,000 | 1,210,000 | 1,508,000 |
| Income tax | 123,000 | 246,000 | 347,000 | 410,000 |
| Net income | 312,000 | 584,000 | 863,000 | 1,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,412,000 | 13,661,000 | 13,939,000 | 14,015,000 |
| Total capital | 14,034,000 | 14,277,000 | 14,569,000 | 14,666,000 |
| Risk-weighted assets | 49,611,000 | 49,174,000 | 50,311,000 | 51,977,000 |