Call reports 2014
WAYLAND STATE BANK — 2014
What WAYLAND STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 82,193,000 | 82,852,000 | 80,591,000 | 81,950,000 |
| Total loans | 46,259,000 | 48,066,000 | 47,742,000 | 46,827,000 |
| Allowance for loan losses | 751,000 | 752,000 | 756,000 | 780,000 |
| Securities available for sale | 25,379,000 | 23,079,000 | 22,112,000 | 21,870,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,343,000 | 66,704,000 | 64,164,000 | 65,488,000 |
| Interest-bearing deposits | 51,994,000 | 51,236,000 | 49,698,000 | 49,797,000 |
| Noninterest-bearing deposits | 14,349,000 | 15,468,000 | 14,466,000 | 15,691,000 |
| Equity capital | 15,119,000 | 15,402,000 | 15,652,000 | 15,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 720,000 | 1,453,000 | 2,192,000 | 2,916,000 |
| Interest expense | 64,000 | 126,000 | 189,000 | 251,000 |
| Net interest income | 656,000 | 1,327,000 | 2,003,000 | 2,665,000 |
| Noninterest income | 56,000 | 121,000 | 187,000 | 294,000 |
| Noninterest expense | 314,000 | 687,000 | 1,015,000 | 1,527,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 398,000 | 761,000 | 1,175,000 | 1,421,000 |
| Income tax | 120,000 | 238,000 | 367,000 | 412,000 |
| Net income | 278,000 | 523,000 | 808,000 | 1,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,098,000 | 15,298,000 | 15,583,000 | 15,653,000 |
| Total capital | 15,783,000 | 15,993,000 | 16,268,000 | 16,339,000 |
| Risk-weighted assets | 54,743,000 | 55,568,000 | 54,754,000 | 54,751,000 |