Call reports 2007
WAYPOINT BANK — 2007
What WAYPOINT BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 150,245,000 | 151,651,000 | 190,880,000 | 194,175,000 |
| Total loans | 105,179,000 | 109,576,000 | 132,935,000 | 135,958,000 |
| Allowance for loan losses | 1,464,000 | 1,343,000 | 1,936,000 | 2,078,000 |
| Securities available for sale | 34,907,000 | 32,289,000 | 45,490,000 | 44,448,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,663,000 | 131,957,000 | 159,176,000 | 168,737,000 |
| Interest-bearing deposits | 112,213,000 | 114,711,000 | 140,164,000 | 143,154,000 |
| Noninterest-bearing deposits | 16,450,000 | 17,246,000 | 19,012,000 | 25,583,000 |
| Equity capital | 14,637,000 | 14,345,000 | 17,593,000 | 18,168,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,579,000 | 5,243,000 | 9,471,000 | 12,774,000 |
| Interest expense | 1,108,000 | 2,281,000 | 4,233,000 | 5,748,000 |
| Net interest income | 1,471,000 | 2,962,000 | 5,238,000 | 7,026,000 |
| Noninterest income | 190,000 | 374,000 | 599,000 | 786,000 |
| Noninterest expense | 849,000 | 1,720,000 | 3,446,000 | 4,598,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 692,000 | 1,376,000 | 2,030,000 | 2,751,000 |
| Income tax | 11,000 | 22,000 | 44,000 | 47,000 |
| Net income | 681,000 | 1,354,000 | 1,986,000 | 2,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,486,000 | 13,687,000 | 16,429,000 | 16,614,000 |
| Total capital | 14,950,000 | 15,030,000 | 18,351,000 | 18,692,000 |
| Risk-weighted assets | 127,912,000 | 132,244,000 | 165,058,000 | 168,517,000 |