Call reports 2002
WAYPOINT BANK — 2002
What WAYPOINT BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 82,054,000 | 85,167,000 | 84,038,000 | 84,200,000 |
| Total loans | 52,032,000 | 54,665,000 | 53,001,000 | 49,932,000 |
| Allowance for loan losses | 965,000 | 967,000 | 970,000 | 913,000 |
| Securities available for sale | 24,050,000 | 23,738,000 | 23,377,000 | 24,319,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,769,000 | 70,073,000 | 70,789,000 | 72,714,000 |
| Interest-bearing deposits | 62,807,000 | 61,526,000 | 62,793,000 | 63,716,000 |
| Noninterest-bearing deposits | 5,962,000 | 8,547,000 | 7,996,000 | 8,998,000 |
| Equity capital | 8,729,000 | 9,349,000 | 8,916,000 | 9,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,387,000 | 2,695,000 | 4,057,000 | 5,334,000 |
| Interest expense | 597,000 | 1,170,000 | 1,718,000 | 2,250,000 |
| Net interest income | 790,000 | 1,525,000 | 2,339,000 | 3,084,000 |
| Noninterest income | 98,000 | 184,000 | 281,000 | 399,000 |
| Noninterest expense | 449,000 | 890,000 | 1,381,000 | 1,924,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 440,000 | 821,000 | 1,240,000 | 1,601,000 |
| Income tax | 8,000 | 16,000 | 24,000 | 32,000 |
| Net income | 432,000 | 805,000 | 1,216,000 | 1,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,656,000 | 9,003,000 | 7,855,000 | 8,164,000 |
| Total capital | 9,421,000 | 9,805,000 | 8,664,000 | 8,984,000 |
| Risk-weighted assets | 61,001,000 | 64,005,000 | 64,578,000 | 65,523,000 |