Call reports 2010
WAYPOINT BANK — 2010
What WAYPOINT BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 200,148,000 | 197,537,000 | 200,028,000 | 209,004,000 |
| Total loans | 133,180,000 | 130,239,000 | 128,420,000 | 130,264,000 |
| Allowance for loan losses | 3,246,000 | 2,906,000 | 2,879,000 | 2,759,000 |
| Securities available for sale | 49,019,000 | 52,932,000 | 56,760,000 | 63,730,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,996,000 | 175,401,000 | 175,866,000 | 185,353,000 |
| Interest-bearing deposits | 151,964,000 | 149,955,000 | 149,940,000 | 152,916,000 |
| Noninterest-bearing deposits | 26,032,000 | 25,446,000 | 25,926,000 | 32,437,000 |
| Equity capital | 19,242,000 | 20,183,000 | 22,232,000 | 21,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,574,000 | 5,034,000 | 7,489,000 | 9,934,000 |
| Interest expense | 626,000 | 1,193,000 | 1,728,000 | 2,231,000 |
| Net interest income | 1,948,000 | 3,841,000 | 5,761,000 | 7,703,000 |
| Noninterest income | 262,000 | 456,000 | 648,000 | 858,000 |
| Noninterest expense | 1,186,000 | 2,367,000 | 3,692,000 | 4,890,000 |
| Provision for loan losses | 750,000 | 1,200,000 | 1,420,000 | 1,570,000 |
| Pretax income | 332,000 | 946,000 | 1,480,000 | 2,296,000 |
| Income tax | 17,000 | 34,000 | 51,000 | 68,000 |
| Net income | 315,000 | 912,000 | 1,429,000 | 2,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,903,000 | 18,517,000 | 18,902,000 | 19,368,000 |
| Total capital | 20,023,000 | 20,392,000 | 20,925,000 | 21,342,000 |
| Risk-weighted assets | 168,452,000 | 159,204,000 | 160,984,000 | 166,422,000 |