Call reports 2011
WAYPOINT BANK — 2011
What WAYPOINT BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 212,925,000 | 212,176,000 | 212,588,000 | 221,378,000 |
| Total loans | 130,954,000 | 129,170,000 | 124,393,000 | 131,129,000 |
| Allowance for loan losses | 3,271,000 | 3,353,000 | 2,862,000 | 2,751,000 |
| Securities available for sale | 64,863,000 | 72,921,000 | 74,093,000 | 78,070,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,954,000 | 186,537,000 | 186,156,000 | 193,155,000 |
| Interest-bearing deposits | 159,813,000 | 154,411,000 | 154,142,000 | 154,027,000 |
| Noninterest-bearing deposits | 29,141,000 | 32,126,000 | 32,014,000 | 39,128,000 |
| Equity capital | 22,095,000 | 23,678,000 | 24,443,000 | 24,699,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,506,000 | 5,104,000 | 7,577,000 | 10,068,000 |
| Interest expense | 465,000 | 901,000 | 1,319,000 | 1,725,000 |
| Net interest income | 2,041,000 | 4,203,000 | 6,258,000 | 8,343,000 |
| Noninterest income | 208,000 | 397,000 | 598,000 | 780,000 |
| Noninterest expense | 1,252,000 | 2,475,000 | 3,794,000 | 5,088,000 |
| Provision for loan losses | 500,000 | 625,000 | 710,000 | 785,000 |
| Pretax income | 519,000 | 1,535,000 | 2,424,000 | 3,322,000 |
| Income tax | 18,000 | 36,000 | 54,000 | 73,000 |
| Net income | 501,000 | 1,499,000 | 2,370,000 | 3,249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,886,000 | 20,750,000 | 21,459,000 | 21,929,000 |
| Total capital | 21,938,000 | 22,665,000 | 23,482,000 | 24,053,000 |
| Risk-weighted assets | 162,939,000 | 160,280,000 | 161,040,000 | 169,317,000 |