Call reports 2012
WAYPOINT BANK — 2012
What WAYPOINT BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 218,406,000 | 222,852,000 | 209,584,000 | 219,605,000 |
| Total loans | 129,901,000 | 135,911,000 | 125,768,000 | 138,415,000 |
| Allowance for loan losses | 2,749,000 | 2,975,000 | 3,092,000 | 3,069,000 |
| Securities available for sale | 73,873,000 | 69,145,000 | 65,680,000 | 59,932,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,375,000 | 183,450,000 | 182,315,000 | 189,562,000 |
| Interest-bearing deposits | 152,483,000 | 148,182,000 | 145,842,000 | 142,525,000 |
| Noninterest-bearing deposits | 38,892,000 | 35,268,000 | 36,473,000 | 47,037,000 |
| Equity capital | 25,184,000 | 24,556,000 | 25,310,000 | 24,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,444,000 | 4,834,000 | 7,154,000 | 9,415,000 |
| Interest expense | 340,000 | 630,000 | 896,000 | 1,128,000 |
| Net interest income | 2,104,000 | 4,204,000 | 6,258,000 | 8,287,000 |
| Noninterest income | 179,000 | 407,000 | 589,000 | 767,000 |
| Noninterest expense | 1,248,000 | 2,371,000 | 3,495,000 | 4,703,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 960,000 | 2,117,000 | 3,154,000 | 4,088,000 |
| Income tax | 23,000 | 41,000 | 59,000 | 77,000 |
| Net income | 937,000 | 2,076,000 | 3,095,000 | 4,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,382,000 | 21,713,000 | 22,300,000 | 21,907,000 |
| Total capital | 24,511,000 | 23,797,000 | 24,414,000 | 24,151,000 |
| Risk-weighted assets | 169,696,000 | 174,421,000 | 168,172,000 | 178,667,000 |