Call reports 2016
WAYPOINT BANK — 2016
What WAYPOINT BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 259,128,000 | 253,405,000 | 248,897,000 | 266,675,000 |
| Total loans | 181,523,000 | 175,736,000 | 167,340,000 | 175,392,000 |
| Allowance for loan losses | 3,923,000 | 4,043,000 | 4,146,000 | 4,422,000 |
| Securities available for sale | 52,325,000 | 52,721,000 | 56,989,000 | 63,301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,175,000 | 202,062,000 | 199,852,000 | 207,463,000 |
| Interest-bearing deposits | 151,280,000 | 148,789,000 | 146,953,000 | 145,378,000 |
| Noninterest-bearing deposits | 48,895,000 | 53,273,000 | 52,899,000 | 62,085,000 |
| Equity capital | 31,710,000 | 32,389,000 | 32,177,000 | 31,060,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,605,000 | 5,150,000 | 7,695,000 | 10,239,000 |
| Interest expense | 180,000 | 358,000 | 531,000 | 697,000 |
| Net interest income | 2,425,000 | 4,792,000 | 7,164,000 | 9,542,000 |
| Noninterest income | 280,000 | 502,000 | 714,000 | 921,000 |
| Noninterest expense | 1,327,000 | 2,645,000 | 3,937,000 | 5,334,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 340,000 |
| Pretax income | 1,341,000 | 2,524,000 | 3,727,000 | 4,844,000 |
| Income tax | 7,000 | 40,000 | 60,000 | 80,000 |
| Net income | 1,334,000 | 2,484,000 | 3,667,000 | 4,764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,472,000 | 29,022,000 | 29,005,000 | 29,102,000 |
| Total capital | 31,325,000 | 31,729,000 | 31,646,000 | 31,861,000 |
| Risk-weighted assets | 227,161,000 | 215,187,000 | 209,786,000 | 219,029,000 |