Call reports 2021
WAYPOINT BANK — 2021
What WAYPOINT BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 337,741,000 | 352,919,000 | 356,386,000 | 365,416,000 |
| Total loans | 209,329,000 | 223,007,000 | 220,906,000 | 221,958,000 |
| Allowance for loan losses | 4,727,000 | 4,795,000 | 5,246,000 | 5,793,000 |
| Securities available for sale | 92,632,000 | 94,723,000 | 90,474,000 | 112,771,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,127,000 | 299,040,000 | 306,840,000 | 311,910,000 |
| Interest-bearing deposits | 204,945,000 | 209,385,000 | 215,932,000 | 211,815,000 |
| Noninterest-bearing deposits | 81,182,000 | 89,655,000 | 90,908,000 | 100,095,000 |
| Equity capital | 37,622,000 | 38,898,000 | 39,078,000 | 37,954,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,540,000 | 7,001,000 | 9,936,000 | 13,249,000 |
| Interest expense | 278,000 | 520,000 | 724,000 | 999,000 |
| Net interest income | 3,262,000 | 6,481,000 | 9,212,000 | 12,250,000 |
| Noninterest income | 279,000 | 633,000 | 904,000 | 1,170,000 |
| Noninterest expense | 1,611,000 | 3,269,000 | 4,975,000 | 6,778,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,951,000 | 3,866,000 | 5,162,000 | 6,663,000 |
| Income tax | 22,000 | 44,000 | 66,000 | 89,000 |
| Net income | 1,929,000 | 3,822,000 | 5,096,000 | 6,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,864,000 | 36,957,000 | 37,031,000 | 37,109,000 |
| Total capital | 39,147,000 | 40,290,000 | 40,406,000 | 40,620,000 |
| Risk-weighted assets | 261,176,000 | 265,137,000 | 268,125,000 | 278,630,000 |