Call reports 2019
WAYPOINT BANK — 2019
What WAYPOINT BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 270,458,000 | 268,843,000 | 269,619,000 | 273,402,000 |
| Total loans | 192,026,000 | 191,665,000 | 185,002,000 | 196,736,000 |
| Allowance for loan losses | 4,300,000 | 4,355,000 | 4,404,000 | 4,462,000 |
| Securities available for sale | 45,559,000 | 44,171,000 | 44,386,000 | 42,168,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,094,000 | 220,687,000 | 223,916,000 | 226,954,000 |
| Interest-bearing deposits | 165,845,000 | 166,159,000 | 164,266,000 | 167,796,000 |
| Noninterest-bearing deposits | 58,249,000 | 54,528,000 | 59,650,000 | 59,158,000 |
| Equity capital | 34,196,000 | 35,184,000 | 35,744,000 | 35,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,991,000 | 6,157,000 | 9,271,000 | 12,246,000 |
| Interest expense | 494,000 | 990,000 | 1,478,000 | 1,953,000 |
| Net interest income | 2,497,000 | 5,167,000 | 7,793,000 | 10,293,000 |
| Noninterest income | 213,000 | 453,000 | 680,000 | 878,000 |
| Noninterest expense | 1,570,000 | 3,181,000 | 4,730,000 | 6,245,000 |
| Provision for loan losses | 165,000 | 210,000 | 255,000 | 300,000 |
| Pretax income | 975,000 | 2,229,000 | 3,488,000 | 4,626,000 |
| Income tax | 21,000 | 41,000 | 62,000 | 83,000 |
| Net income | 954,000 | 2,188,000 | 3,426,000 | 4,543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,891,000 | 32,525,000 | 32,964,000 | 33,080,000 |
| Total capital | 34,816,000 | 35,430,000 | 35,842,000 | 36,089,000 |
| Risk-weighted assets | 232,643,000 | 230,984,000 | 228,703,000 | 239,287,000 |