Call reports 2008
WAYPOINT BANK — 2008
What WAYPOINT BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 196,008,000 | 197,142,000 | 195,543,000 | 201,435,000 |
| Total loans | 135,341,000 | 134,090,000 | 135,781,000 | 142,175,000 |
| Allowance for loan losses | 2,206,000 | 2,332,000 | 2,454,000 | 2,561,000 |
| Securities available for sale | 45,997,000 | 49,217,000 | 49,701,000 | 47,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,693,000 | 174,088,000 | 165,818,000 | 176,786,000 |
| Interest-bearing deposits | 147,546,000 | 149,008,000 | 142,379,000 | 148,505,000 |
| Noninterest-bearing deposits | 26,147,000 | 25,080,000 | 23,439,000 | 28,281,000 |
| Equity capital | 18,225,000 | 17,052,000 | 16,922,000 | 17,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,152,000 | 6,015,000 | 8,917,000 | 11,810,000 |
| Interest expense | 1,389,000 | 2,615,000 | 3,738,000 | 4,832,000 |
| Net interest income | 1,763,000 | 3,400,000 | 5,179,000 | 6,978,000 |
| Noninterest income | 171,000 | 389,000 | 589,000 | 753,000 |
| Noninterest expense | 1,102,000 | 2,329,000 | 3,483,000 | 4,622,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 725,000 |
| Pretax income | 664,000 | 1,252,000 | 1,951,000 | 2,279,000 |
| Income tax | 12,000 | 25,000 | 38,000 | 61,000 |
| Net income | 652,000 | 1,227,000 | 1,913,000 | 2,218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,732,000 | 16,784,000 | 16,956,000 | 17,279,000 |
| Total capital | 18,859,000 | 18,771,000 | 19,122,000 | 19,541,000 |
| Risk-weighted assets | 173,364,000 | 174,913,000 | 172,983,000 | 180,674,000 |