Call reports 2015
WAYPOINT BANK — 2015
What WAYPOINT BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 259,456,000 | 264,372,000 | 253,858,000 | 260,752,000 |
| Total loans | 174,140,000 | 180,699,000 | 172,102,000 | 175,465,000 |
| Allowance for loan losses | 3,690,000 | 3,867,000 | 3,625,000 | 3,762,000 |
| Securities available for sale | 60,843,000 | 59,077,000 | 56,436,000 | 56,870,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,698,000 | 209,992,000 | 206,924,000 | 204,509,000 |
| Interest-bearing deposits | 159,622,000 | 156,551,000 | 151,904,000 | 145,384,000 |
| Noninterest-bearing deposits | 55,076,000 | 53,441,000 | 55,020,000 | 59,125,000 |
| Equity capital | 30,334,000 | 30,291,000 | 30,707,000 | 30,740,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,581,000 | 5,201,000 | 7,828,000 | 10,415,000 |
| Interest expense | 160,000 | 320,000 | 493,000 | 664,000 |
| Net interest income | 2,421,000 | 4,881,000 | 7,335,000 | 9,751,000 |
| Noninterest income | 318,000 | 650,000 | 902,000 | 1,139,000 |
| Noninterest expense | 1,480,000 | 2,834,000 | 4,179,000 | 5,583,000 |
| Provision for loan losses | 112,000 | 233,000 | 355,000 | 476,000 |
| Pretax income | 1,149,000 | 2,492,000 | 3,750,000 | 4,878,000 |
| Income tax | 22,000 | 44,000 | 67,000 | 89,000 |
| Net income | 1,127,000 | 2,448,000 | 3,683,000 | 4,789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,917,000 | 27,397,000 | 27,633,000 | 27,738,000 |
| Total capital | 29,827,000 | 30,223,000 | 30,364,000 | 30,502,000 |
| Risk-weighted assets | 231,996,000 | 225,066,000 | 217,596,000 | 220,212,000 |