Call reports 2017
WAYLAND STATE BANK — 2017
What WAYLAND STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 112,340,000 | 113,736,000 | 111,208,000 | 115,313,000 |
| Total loans | 57,096,000 | 56,611,000 | 59,564,000 | 58,356,000 |
| Allowance for loan losses | 937,000 | 959,000 | 981,000 | 1,028,000 |
| Securities available for sale | 37,677,000 | 35,504,000 | 34,570,000 | 35,014,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,398,000 | 95,319,000 | 92,491,000 | 96,830,000 |
| Interest-bearing deposits | 71,356,000 | 71,152,000 | 68,480,000 | 73,180,000 |
| Noninterest-bearing deposits | 23,042,000 | 24,167,000 | 24,011,000 | 23,650,000 |
| Equity capital | 17,092,000 | 17,585,000 | 17,881,000 | 17,647,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 930,000 | 1,870,000 | 2,831,000 | 3,752,000 |
| Interest expense | 75,000 | 149,000 | 224,000 | 300,000 |
| Net interest income | 855,000 | 1,721,000 | 2,607,000 | 3,452,000 |
| Noninterest income | 70,000 | 153,000 | 270,000 | 398,000 |
| Noninterest expense | 525,000 | 973,000 | 1,433,000 | 2,112,000 |
| Provision for loan losses | 30,000 | 60,000 | 105,000 | 150,000 |
| Pretax income | 372,000 | 853,000 | 1,352,000 | 1,601,000 |
| Income tax | 118,000 | 252,000 | 418,000 | 539,000 |
| Net income | 254,000 | 601,000 | 934,000 | 1,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,021,000 | 16,374,000 | 16,695,000 | 16,687,000 |
| Total capital | 16,907,000 | 17,256,000 | 17,585,000 | 17,635,000 |
| Risk-weighted assets | 70,874,000 | 70,536,000 | 71,149,000 | 75,820,000 |