Call reports 2020
WAYPOINT BANK — 2020
What WAYPOINT BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 269,064,000 | 308,617,000 | 306,675,000 | 325,380,000 |
| Total loans | 192,980,000 | 210,317,000 | 211,033,000 | 211,014,000 |
| Allowance for loan losses | 4,515,000 | 4,564,000 | 4,610,000 | 4,715,000 |
| Securities available for sale | 38,259,000 | 48,962,000 | 54,206,000 | 69,835,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,187,000 | 253,800,000 | 252,574,000 | 271,489,000 |
| Interest-bearing deposits | 167,571,000 | 190,221,000 | 186,682,000 | 200,395,000 |
| Noninterest-bearing deposits | 54,616,000 | 63,579,000 | 65,892,000 | 71,094,000 |
| Equity capital | 36,065,000 | 37,413,000 | 37,668,000 | 37,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,966,000 | 6,418,000 | 9,268,000 | 12,318,000 |
| Interest expense | 449,000 | 847,000 | 1,207,000 | 1,527,000 |
| Net interest income | 2,517,000 | 5,571,000 | 8,061,000 | 10,791,000 |
| Noninterest income | 236,000 | 538,000 | 794,000 | 1,026,000 |
| Noninterest expense | 1,655,000 | 3,202,000 | 4,825,000 | 6,487,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,067,000 | 2,831,000 | 3,909,000 | 5,164,000 |
| Income tax | 21,000 | 42,000 | 63,000 | 84,000 |
| Net income | 1,046,000 | 2,789,000 | 3,846,000 | 5,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,276,000 | 34,319,000 | 34,525,000 | 34,760,000 |
| Total capital | 35,987,000 | 37,639,000 | 37,624,000 | 38,066,000 |
| Risk-weighted assets | 215,048,000 | 264,334,000 | 246,394,000 | 263,088,000 |