Call reports 2015
WAYLAND STATE BANK — 2015
What WAYLAND STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 85,483,000 | 84,908,000 | 85,127,000 | 87,994,000 |
| Total loans | 46,756,000 | 46,281,000 | 45,810,000 | 48,158,000 |
| Allowance for loan losses | 779,000 | 778,000 | 776,000 | 826,000 |
| Securities available for sale | 22,912,000 | 22,446,000 | 23,812,000 | 23,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,767,000 | 68,030,000 | 67,914,000 | 70,873,000 |
| Interest-bearing deposits | 52,667,000 | 51,139,000 | 50,973,000 | 51,838,000 |
| Noninterest-bearing deposits | 16,100,000 | 16,891,000 | 16,941,000 | 19,035,000 |
| Equity capital | 15,966,000 | 16,100,000 | 16,423,000 | 16,328,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 713,000 | 1,431,000 | 2,133,000 | 2,871,000 |
| Interest expense | 59,000 | 120,000 | 181,000 | 237,000 |
| Net interest income | 654,000 | 1,311,000 | 1,952,000 | 2,634,000 |
| Noninterest income | 58,000 | 125,000 | 192,000 | 306,000 |
| Noninterest expense | 324,000 | 680,000 | 1,025,000 | 1,509,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 388,000 | 756,000 | 1,119,000 | 1,381,000 |
| Income tax | 122,000 | 235,000 | 350,000 | 402,000 |
| Net income | 266,000 | 521,000 | 769,000 | 979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,833,000 | 16,088,000 | 16,336,000 | 16,320,000 |
| Total capital | 16,528,000 | 16,780,000 | 17,041,000 | 17,056,000 |
| Risk-weighted assets | 55,556,000 | 55,288,000 | 56,372,000 | 58,840,000 |