Call reports 2020
WAYLAND STATE BANK — 2020
What WAYLAND STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 113,181,000 | 120,981,000 | 123,251,000 | 128,157,000 |
| Total loans | 60,060,000 | 60,875,000 | 58,390,000 | 54,718,000 |
| Allowance for loan losses | 1,545,000 | 1,620,000 | 1,222,000 | 1,422,000 |
| Securities available for sale | 31,945,000 | 31,340,000 | 34,880,000 | 36,095,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,952,000 | 98,031,000 | 100,028,000 | 105,063,000 |
| Interest-bearing deposits | 63,369,000 | 66,480,000 | 67,217,000 | 70,961,000 |
| Noninterest-bearing deposits | 27,583,000 | 31,551,000 | 32,811,000 | 34,102,000 |
| Equity capital | 20,836,000 | 21,532,000 | 21,796,000 | 21,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,016,000 | 2,137,000 | 3,072,000 | 3,923,000 |
| Interest expense | 104,000 | 197,000 | 287,000 | 373,000 |
| Net interest income | 912,000 | 1,940,000 | 2,785,000 | 3,550,000 |
| Noninterest income | 64,000 | 122,000 | 191,000 | 364,000 |
| Noninterest expense | 449,000 | 874,000 | 1,362,000 | 2,065,000 |
| Provision for loan losses | 75,000 | 150,000 | 250,000 | 450,000 |
| Pretax income | 447,000 | 1,033,000 | 1,359,000 | 1,394,000 |
| Income tax | 92,000 | 219,000 | 282,000 | 256,000 |
| Net income | 355,000 | 814,000 | 1,077,000 | 1,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,055,000 | 19,467,000 | 19,735,000 | 19,636,000 |
| Total capital | — | — | 20,686,000 | 20,586,000 |
| Risk-weighted assets | — | — | 75,815,000 | 75,547,000 |