Call reports 2005
WAYPOINT BANK — 2005
What WAYPOINT BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 127,689,000 | 133,070,000 | 135,239,000 | 137,528,000 |
| Total loans | 88,087,000 | 88,807,000 | 93,632,000 | 95,680,000 |
| Allowance for loan losses | 1,352,000 | 1,390,000 | 1,433,000 | 1,475,000 |
| Securities available for sale | 29,988,000 | 29,865,000 | 30,703,000 | 30,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,851,000 | 116,004,000 | 112,104,000 | 115,257,000 |
| Interest-bearing deposits | 92,559,000 | 96,434,000 | 96,278,000 | 97,336,000 |
| Noninterest-bearing deposits | 15,292,000 | 19,570,000 | 15,826,000 | 17,921,000 |
| Equity capital | 13,440,000 | 13,220,000 | 13,571,000 | 13,647,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,836,000 | 3,719,000 | 5,712,000 | 7,828,000 |
| Interest expense | 560,000 | 1,161,000 | 1,824,000 | 2,563,000 |
| Net interest income | 1,276,000 | 2,558,000 | 3,888,000 | 5,265,000 |
| Noninterest income | 164,000 | 353,000 | 533,000 | 710,000 |
| Noninterest expense | 839,000 | 1,619,000 | 2,427,000 | 3,350,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 270,000 |
| Pretax income | 556,000 | 1,203,000 | 1,849,000 | 2,390,000 |
| Income tax | 10,000 | 20,000 | 30,000 | 44,000 |
| Net income | 546,000 | 1,183,000 | 1,819,000 | 2,346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,133,000 | 11,738,000 | 12,240,000 | 12,634,000 |
| Total capital | 13,417,000 | 13,049,000 | 13,551,000 | 14,021,000 |
| Risk-weighted assets | 102,624,000 | 104,834,000 | 109,442,000 | 110,904,000 |