Call reports 2013
WAYLAND STATE BANK — 2013
What WAYLAND STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 83,681,000 | 81,407,000 | 80,409,000 | 80,632,000 |
| Total loans | 40,381,000 | 42,318,000 | 44,978,000 | 45,156,000 |
| Allowance for loan losses | 743,000 | 744,000 | 750,000 | 752,000 |
| Securities available for sale | 27,198,000 | 26,181,000 | 26,512,000 | 25,938,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,251,000 | 66,208,000 | 64,923,000 | 65,108,000 |
| Interest-bearing deposits | 53,410,000 | 53,122,000 | 51,718,000 | 50,921,000 |
| Noninterest-bearing deposits | 13,842,000 | 13,086,000 | 13,205,000 | 14,187,000 |
| Equity capital | 14,533,000 | 14,468,000 | 14,749,000 | 14,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 685,000 | 1,384,000 | 2,102,000 | 2,808,000 |
| Interest expense | 94,000 | 176,000 | 250,000 | 316,000 |
| Net interest income | 591,000 | 1,208,000 | 1,852,000 | 2,492,000 |
| Noninterest income | 61,000 | 128,000 | 196,000 | 290,000 |
| Noninterest expense | 293,000 | 651,000 | 958,000 | 1,464,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 359,000 | 685,000 | 1,090,000 | 1,318,000 |
| Income tax | 98,000 | 184,000 | 317,000 | 339,000 |
| Net income | 261,000 | 501,000 | 773,000 | 979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,270,000 | 14,510,000 | 14,776,000 | 14,838,000 |
| Total capital | 14,921,000 | 15,163,000 | 15,449,000 | 15,507,000 |
| Risk-weighted assets | 51,996,000 | 52,186,000 | 53,745,000 | 53,422,000 |