Call reports 2018
WAYPOINT BANK — 2018
What WAYPOINT BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 261,674,000 | 269,629,000 | 269,711,000 | 277,698,000 |
| Total loans | 186,274,000 | 195,592,000 | 193,875,000 | 200,041,000 |
| Allowance for loan losses | 4,487,000 | 4,419,000 | 4,098,000 | 4,185,000 |
| Securities available for sale | 50,055,000 | 48,099,000 | 47,362,000 | 46,568,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,411,000 | 215,875,000 | 212,995,000 | 228,614,000 |
| Interest-bearing deposits | 157,493,000 | 156,464,000 | 159,547,000 | 166,911,000 |
| Noninterest-bearing deposits | 55,918,000 | 59,411,000 | 53,448,000 | 61,703,000 |
| Equity capital | 32,035,000 | 32,537,000 | 32,720,000 | 33,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,821,000 | 5,720,000 | 8,806,000 | 11,970,000 |
| Interest expense | 301,000 | 643,000 | 1,109,000 | 1,626,000 |
| Net interest income | 2,520,000 | 5,077,000 | 7,697,000 | 10,344,000 |
| Noninterest income | 231,000 | 459,000 | 683,000 | 916,000 |
| Noninterest expense | 1,431,000 | 2,850,000 | 4,406,000 | 5,904,000 |
| Provision for loan losses | 30,000 | 180,000 | 355,000 | 580,000 |
| Pretax income | 1,290,000 | 2,506,000 | 3,618,000 | 4,775,000 |
| Income tax | 21,000 | 42,000 | 63,000 | 84,000 |
| Net income | 1,269,000 | 2,464,000 | 3,555,000 | 4,691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,290,000 | 30,886,000 | 31,276,000 | 31,612,000 |
| Total capital | 33,167,000 | 33,804,000 | 34,260,000 | 34,589,000 |
| Risk-weighted assets | 228,564,000 | 231,951,000 | 237,640,000 | 236,921,000 |