Call reports 2022
WAYPOINT BANK — 2022
What WAYPOINT BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 356,601,000 | 364,730,000 | 371,224,000 | 376,705,000 |
| Total loans | 215,477,000 | 227,565,000 | 236,685,000 | 243,571,000 |
| Allowance for loan losses | 6,223,000 | 6,347,000 | 6,349,000 | 6,355,000 |
| Securities available for sale | 111,958,000 | 108,553,000 | 104,605,000 | 104,497,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,924,000 | 323,631,000 | 320,840,000 | 310,383,000 |
| Interest-bearing deposits | 217,655,000 | 221,783,000 | 222,462,000 | 215,887,000 |
| Noninterest-bearing deposits | 99,269,000 | 101,848,000 | 98,378,000 | 94,496,000 |
| Equity capital | 31,936,000 | 29,398,000 | 26,181,000 | 27,221,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,480,000 | 6,623,000 | 10,036,000 | 13,561,000 |
| Interest expense | 149,000 | 308,000 | 591,000 | 1,147,000 |
| Net interest income | 3,331,000 | 6,315,000 | 9,445,000 | 12,414,000 |
| Noninterest income | 318,000 | 604,000 | 920,000 | 1,197,000 |
| Noninterest expense | 1,693,000 | 3,437,000 | 5,145,000 | 7,214,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,956,000 | 3,482,000 | 5,220,000 | 6,397,000 |
| Income tax | 29,000 | 58,000 | 86,000 | 115,000 |
| Net income | 1,927,000 | 3,424,000 | 5,134,000 | 6,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,849,000 | 38,496,000 | 39,106,000 | 38,954,000 |
| Total capital | 41,320,000 | 42,106,000 | 42,825,000 | 42,736,000 |
| Risk-weighted assets | 274,921,000 | 286,029,000 | 294,860,000 | 300,001,000 |