Call reports 2013
WAYPOINT BANK — 2013
What WAYPOINT BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 211,553,000 | 276,478,000 | 263,019,000 | 264,583,000 |
| Total loans | 133,583,000 | 175,052,000 | 165,419,000 | 164,271,000 |
| Allowance for loan losses | 3,108,000 | 3,178,000 | 3,287,000 | 3,399,000 |
| Securities available for sale | 60,759,000 | 71,227,000 | 66,148,000 | 67,936,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,183,000 | 226,473,000 | 220,720,000 | 217,932,000 |
| Interest-bearing deposits | 144,315,000 | 173,999,000 | 170,417,000 | 163,969,000 |
| Noninterest-bearing deposits | 40,868,000 | 52,474,000 | 50,303,000 | 53,963,000 |
| Equity capital | 24,528,000 | 28,219,000 | 28,443,000 | 29,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,266,000 | 4,648,000 | 7,339,000 | 9,912,000 |
| Interest expense | 182,000 | 358,000 | 535,000 | 710,000 |
| Net interest income | 2,084,000 | 4,290,000 | 6,804,000 | 9,202,000 |
| Noninterest income | 198,000 | 439,000 | 788,000 | 1,017,000 |
| Noninterest expense | 1,133,000 | 2,312,000 | 3,665,000 | 5,069,000 |
| Provision for loan losses | 75,000 | 150,000 | 267,000 | 374,000 |
| Pretax income | 1,080,000 | 2,284,000 | 3,691,000 | 4,811,000 |
| Income tax | 19,000 | 37,000 | 55,000 | 80,000 |
| Net income | 1,061,000 | 2,247,000 | 3,636,000 | 4,731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,963,000 | 25,210,000 | 25,919,000 | 26,339,000 |
| Total capital | 24,148,000 | 27,941,000 | 28,549,000 | 28,983,000 |
| Risk-weighted assets | 173,910,000 | 218,038,000 | 209,778,000 | 210,763,000 |