Call reports 2021
WAYLAND STATE BANK — 2021
What WAYLAND STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 134,736,000 | 133,531,000 | 133,425,000 | 134,976,000 |
| Total loans | 54,664,000 | 51,765,000 | 50,208,000 | 53,216,000 |
| Allowance for loan losses | 1,572,000 | 1,586,000 | 1,731,000 | 1,449,000 |
| Securities available for sale | 38,397,000 | 39,066,000 | 37,299,000 | 39,511,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,586,000 | 109,891,000 | 109,794,000 | 111,482,000 |
| Interest-bearing deposits | 74,037,000 | 73,844,000 | 72,718,000 | 74,446,000 |
| Noninterest-bearing deposits | 37,549,000 | 36,047,000 | 37,076,000 | 37,036,000 |
| Equity capital | 21,731,000 | 22,231,000 | 22,214,000 | 22,072,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 942,000 | 2,092,000 | 2,855,000 | 3,657,000 |
| Interest expense | 76,000 | 142,000 | 199,000 | 252,000 |
| Net interest income | 866,000 | 1,950,000 | 2,656,000 | 3,405,000 |
| Noninterest income | 64,000 | 128,000 | 186,000 | 321,000 |
| Noninterest expense | 443,000 | 844,000 | 1,309,000 | 1,928,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 500,000 |
| Pretax income | 508,000 | 1,105,000 | 1,254,000 | 1,469,000 |
| Income tax | 107,000 | 238,000 | 259,000 | 283,000 |
| Net income | 401,000 | 867,000 | 995,000 | 1,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,043,000 | 20,517,000 | 20,649,000 | 20,670,000 |
| Total capital | 21,003,000 | 21,425,000 | 21,547,000 | — |
| Risk-weighted assets | 76,260,000 | 71,991,000 | 71,041,000 | — |