Call reports 2018
WAYLAND STATE BANK — 2018
What WAYLAND STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 116,612,000 | 117,219,000 | 113,569,000 | 112,376,000 |
| Total loans | 57,893,000 | 59,855,000 | 60,607,000 | 60,984,000 |
| Allowance for loan losses | 995,000 | 1,091,000 | 1,146,000 | 1,064,000 |
| Securities available for sale | 36,554,000 | 35,372,000 | 34,948,000 | 34,486,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,260,000 | 98,561,000 | 94,686,000 | 93,328,000 |
| Interest-bearing deposits | 72,541,000 | 73,426,000 | 69,457,000 | 67,649,000 |
| Noninterest-bearing deposits | 25,719,000 | 25,135,000 | 25,229,000 | 25,679,000 |
| Equity capital | 17,511,000 | 17,802,000 | 18,001,000 | 18,178,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 970,000 | 1,980,000 | 3,022,000 | 4,070,000 |
| Interest expense | 77,000 | 159,000 | 260,000 | 365,000 |
| Net interest income | 893,000 | 1,821,000 | 2,762,000 | 3,705,000 |
| Noninterest income | 77,000 | 155,000 | 229,000 | 357,000 |
| Noninterest expense | 446,000 | 886,000 | 1,332,000 | 1,925,000 |
| Provision for loan losses | 30,000 | 75,000 | 130,000 | 235,000 |
| Pretax income | 494,000 | 1,015,000 | 1,529,000 | 1,902,000 |
| Income tax | 99,000 | 213,000 | 313,000 | 375,000 |
| Net income | 395,000 | 802,000 | 1,216,000 | 1,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,815,000 | 17,167,000 | 17,534,000 | 17,454,000 |
| Total capital | 17,743,000 | 18,099,000 | 18,483,000 | 18,403,000 |
| Risk-weighted assets | 74,249,000 | 74,478,000 | 75,790,000 | 75,841,000 |