Call reports 2003
WAYPOINT BANK — 2003
What WAYPOINT BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 85,177,000 | 87,325,000 | 93,725,000 | 93,509,000 |
| Total loans | 50,936,000 | 52,108,000 | 59,371,000 | 60,941,000 |
| Allowance for loan losses | 808,000 | 798,000 | 818,000 | 742,000 |
| Securities available for sale | 26,044,000 | 27,035,000 | 27,078,000 | 24,236,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,168,000 | 74,690,000 | 74,944,000 | 77,835,000 |
| Interest-bearing deposits | 64,104,000 | 65,764,000 | 66,712,000 | 67,184,000 |
| Noninterest-bearing deposits | 8,064,000 | 8,926,000 | 8,232,000 | 10,651,000 |
| Equity capital | 9,317,000 | 8,695,000 | 8,459,000 | 8,877,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,210,000 | 2,492,000 | 3,785,000 | 5,101,000 |
| Interest expense | 478,000 | 934,000 | 1,355,000 | 1,773,000 |
| Net interest income | 732,000 | 1,558,000 | 2,430,000 | 3,328,000 |
| Noninterest income | 118,000 | 249,000 | 399,000 | 528,000 |
| Noninterest expense | 624,000 | 1,208,000 | 1,801,000 | 2,404,000 |
| Provision for loan losses | 0 | 30,000 | 45,000 | 60,000 |
| Pretax income | 229,000 | 606,000 | 1,020,000 | 1,431,000 |
| Income tax | 8,000 | 17,000 | 26,000 | 37,000 |
| Net income | 221,000 | 589,000 | 994,000 | 1,394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,385,000 | 7,513,000 | 7,718,000 | 8,118,000 |
| Total capital | 9,193,000 | 8,311,000 | 8,536,000 | 8,860,000 |
| Risk-weighted assets | 67,849,000 | 68,448,000 | 75,448,000 | 75,681,000 |