Call reports 2004
WAYPOINT BANK — 2004
What WAYPOINT BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 96,903,000 | 99,484,000 | 97,418,000 | 134,603,000 |
| Total loans | 66,401,000 | 70,876,000 | 69,519,000 | 91,251,000 |
| Allowance for loan losses | 751,000 | 770,000 | 785,000 | 1,268,000 |
| Securities available for sale | 23,470,000 | 21,995,000 | 22,624,000 | 31,416,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,457,000 | 84,462,000 | 83,467,000 | 115,519,000 |
| Interest-bearing deposits | 71,240,000 | 74,202,000 | 72,843,000 | 96,858,000 |
| Noninterest-bearing deposits | 9,217,000 | 10,260,000 | 10,624,000 | 18,661,000 |
| Equity capital | 8,783,000 | 8,499,000 | 9,473,000 | 13,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,298,000 | 2,684,000 | 4,196,000 | 5,745,000 |
| Interest expense | 393,000 | 796,000 | 1,193,000 | 1,680,000 |
| Net interest income | 905,000 | 1,888,000 | 3,003,000 | 4,065,000 |
| Noninterest income | 149,000 | 300,000 | 385,000 | 587,000 |
| Noninterest expense | 649,000 | 1,305,000 | 1,903,000 | 2,608,000 |
| Provision for loan losses | 15,000 | 30,000 | 115,000 | 380,000 |
| Pretax income | 392,000 | 873,000 | 1,417,000 | 1,705,000 |
| Income tax | 9,000 | 19,000 | 28,000 | 41,000 |
| Net income | 383,000 | 854,000 | 1,389,000 | 1,664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,801,000 | 8,272,000 | 8,807,000 | 11,911,000 |
| Total capital | 8,552,000 | 9,042,000 | 9,592,000 | 13,179,000 |
| Risk-weighted assets | 80,339,000 | 84,364,000 | 83,739,000 | 106,039,000 |