Call reports 2001
WAYPOINT BANK — 2001
What WAYPOINT BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 79,523,000 | 81,188,000 | 80,454,000 | 81,824,000 |
| Total loans | 49,388,000 | 53,035,000 | 51,395,000 | 52,137,000 |
| Allowance for loan losses | 940,000 | 931,000 | 939,000 | 970,000 |
| Securities available for sale | 22,935,000 | 23,659,000 | 24,650,000 | 24,797,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,039,000 | 69,069,000 | 68,491,000 | 70,508,000 |
| Interest-bearing deposits | 62,991,000 | 61,435,000 | 62,286,000 | 62,122,000 |
| Noninterest-bearing deposits | 6,048,000 | 7,634,000 | 6,205,000 | 8,386,000 |
| Equity capital | 8,643,000 | 8,054,000 | 8,623,000 | 8,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,530,000 | 3,082,000 | 4,640,000 | 6,099,000 |
| Interest expense | 855,000 | 1,687,000 | 2,456,000 | 3,137,000 |
| Net interest income | 675,000 | 1,395,000 | 2,184,000 | 2,962,000 |
| Noninterest income | 140,000 | 228,000 | 307,000 | 401,000 |
| Noninterest expense | 416,000 | 824,000 | 1,228,000 | 1,673,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 422,000 | 844,000 | 1,323,000 | 1,751,000 |
| Income tax | 8,000 | 16,000 | 23,000 | 31,000 |
| Net income | 414,000 | 828,000 | 1,300,000 | 1,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,201,000 | 7,725,000 | 8,002,000 | 8,422,000 |
| Total capital | 8,954,000 | 8,516,000 | 8,776,000 | 9,220,000 |
| Risk-weighted assets | 60,074,000 | 63,138,000 | 61,748,000 | 63,699,000 |