Call reports 2009
WAYPOINT BANK — 2009
What WAYPOINT BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 196,156,000 | 202,023,000 | 197,353,000 | 201,603,000 |
| Total loans | 140,242,000 | 145,675,000 | 135,544,000 | 138,074,000 |
| Allowance for loan losses | 2,851,000 | 3,060,000 | 3,253,000 | 2,845,000 |
| Securities available for sale | 45,114,000 | 46,551,000 | 48,475,000 | 51,205,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,003,000 | 175,415,000 | 175,199,000 | 178,088,000 |
| Interest-bearing deposits | 152,143,000 | 150,260,000 | 153,624,000 | 152,043,000 |
| Noninterest-bearing deposits | 22,859,000 | 25,155,000 | 21,575,000 | 26,045,000 |
| Equity capital | 17,354,000 | 18,503,000 | 19,136,000 | 19,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,773,000 | 5,481,000 | 8,177,000 | 10,761,000 |
| Interest expense | 985,000 | 1,906,000 | 2,762,000 | 3,506,000 |
| Net interest income | 1,788,000 | 3,575,000 | 5,415,000 | 7,255,000 |
| Noninterest income | 156,000 | 315,000 | 462,000 | 601,000 |
| Noninterest expense | 1,146,000 | 2,495,000 | 3,609,000 | 4,699,000 |
| Provision for loan losses | 3,345,000 | 4,245,000 | 5,525,000 | 6,235,000 |
| Pretax income | -2,542,000 | -2,820,000 | -3,423,000 | -3,219,000 |
| Income tax | 15,000 | 0 | 0 | 0 |
| Net income | -2,557,000 | -2,820,000 | -3,423,000 | -3,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,583,000 | 18,088,000 | 17,352,000 | 17,572,000 |
| Total capital | 19,764,000 | 20,394,000 | 19,551,000 | 19,558,000 |
| Risk-weighted assets | 176,457,000 | 183,708,000 | 174,884,000 | 174,125,000 |