Call reports 2006
WAYPOINT BANK — 2006
What WAYPOINT BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 138,171,000 | 147,017,000 | 145,599,000 | 146,960,000 |
| Total loans | 99,114,000 | 102,898,000 | 105,348,000 | 104,526,000 |
| Allowance for loan losses | 1,464,000 | 1,172,000 | 1,303,000 | 1,365,000 |
| Securities available for sale | 29,274,000 | 30,376,000 | 31,257,000 | 31,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,864,000 | 128,088,000 | 123,951,000 | 128,046,000 |
| Interest-bearing deposits | 105,095,000 | 110,557,000 | 110,699,000 | 111,266,000 |
| Noninterest-bearing deposits | 15,769,000 | 17,531,000 | 13,252,000 | 16,780,000 |
| Equity capital | 14,146,000 | 13,538,000 | 14,213,000 | 14,423,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,212,000 | 4,563,000 | 7,071,000 | 9,604,000 |
| Interest expense | 861,000 | 1,802,000 | 2,895,000 | 4,001,000 |
| Net interest income | 1,351,000 | 2,761,000 | 4,176,000 | 5,603,000 |
| Noninterest income | 194,000 | 415,000 | 601,000 | 781,000 |
| Noninterest expense | 886,000 | 1,752,000 | 2,605,000 | 3,460,000 |
| Provision for loan losses | 90,000 | 180,000 | 300,000 | 420,000 |
| Pretax income | 558,000 | 1,235,000 | 1,863,000 | 2,495,000 |
| Income tax | 11,000 | 22,000 | 33,000 | 43,000 |
| Net income | 547,000 | 1,213,000 | 1,830,000 | 2,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,198,000 | 12,943,000 | 13,108,000 | 13,278,000 |
| Total capital | 14,625,000 | 14,115,000 | 14,411,000 | 14,643,000 |
| Risk-weighted assets | 114,145,000 | 121,518,000 | 123,046,000 | 126,250,000 |