Call reports 2019
WAYLAND STATE BANK — 2019
What WAYLAND STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 111,427,000 | 110,539,000 | 109,778,000 | 113,304,000 |
| Total loans | 60,810,000 | 59,528,000 | 60,615,000 | 62,815,000 |
| Allowance for loan losses | 1,153,000 | 1,153,000 | 1,248,000 | 1,469,000 |
| Securities available for sale | 33,643,000 | 31,138,000 | 32,076,000 | 31,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,652,000 | 90,041,000 | 88,740,000 | 92,179,000 |
| Interest-bearing deposits | 67,364,000 | 63,674,000 | 61,889,000 | 63,381,000 |
| Noninterest-bearing deposits | 24,288,000 | 26,367,000 | 26,851,000 | 28,798,000 |
| Equity capital | 18,889,000 | 19,597,000 | 20,118,000 | 20,208,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,055,000 | 2,115,000 | 3,217,000 | 4,285,000 |
| Interest expense | 110,000 | 222,000 | 337,000 | 447,000 |
| Net interest income | 945,000 | 1,893,000 | 2,880,000 | 3,838,000 |
| Noninterest income | 65,000 | 153,000 | 231,000 | 361,000 |
| Noninterest expense | 432,000 | 828,000 | 1,312,000 | 1,981,000 |
| Provision for loan losses | 65,000 | 140,000 | 215,000 | 440,000 |
| Pretax income | 513,000 | 1,078,000 | 1,584,000 | 1,926,000 |
| Income tax | 114,000 | 227,000 | 337,000 | 392,000 |
| Net income | 399,000 | 851,000 | 1,247,000 | 1,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,764,000 | 18,223,000 | 18,618,000 | 18,693,000 |
| Total capital | 18,708,000 | 19,146,000 | 19,530,000 | 19,652,000 |
| Risk-weighted assets | 75,341,000 | 73,649,000 | 72,659,000 | 76,254,000 |