Call reports 2014
WAYPOINT BANK — 2014
What WAYPOINT BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 258,162,000 | 265,938,000 | 258,742,000 | 268,719,000 |
| Total loans | 163,283,000 | 173,049,000 | 167,259,000 | 181,434,000 |
| Allowance for loan losses | 3,583,000 | 3,675,000 | 3,804,000 | 3,501,000 |
| Securities available for sale | 65,056,000 | 60,662,000 | 61,455,000 | 61,287,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,215,000 | 205,151,000 | 205,897,000 | 210,358,000 |
| Interest-bearing deposits | 163,128,000 | 155,835,000 | 156,400,000 | 150,371,000 |
| Noninterest-bearing deposits | 51,087,000 | 49,316,000 | 49,497,000 | 59,987,000 |
| Equity capital | 29,442,000 | 30,213,000 | 30,633,000 | 30,769,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,478,000 | 5,022,000 | 7,623,000 | 10,272,000 |
| Interest expense | 177,000 | 353,000 | 525,000 | 689,000 |
| Net interest income | 2,301,000 | 4,669,000 | 7,098,000 | 9,583,000 |
| Noninterest income | 375,000 | 631,000 | 1,069,000 | 1,382,000 |
| Noninterest expense | 1,354,000 | 2,676,000 | 4,209,000 | 5,682,000 |
| Provision for loan losses | 107,000 | 213,000 | 320,000 | 426,000 |
| Pretax income | 1,215,000 | 2,458,000 | 3,685,000 | 4,904,000 |
| Income tax | 27,000 | 53,000 | 76,000 | 94,000 |
| Net income | 1,188,000 | 2,405,000 | 3,609,000 | 4,810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,326,000 | 27,169,000 | 27,342,000 | 27,448,000 |
| Total capital | 28,965,000 | 29,909,000 | 30,066,000 | 30,288,000 |
| Risk-weighted assets | 210,205,000 | 218,189,000 | 216,868,000 | 226,552,000 |