Call reports 2023
WAYPOINT BANK — 2023
What WAYPOINT BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 375,085,000 | 374,694,000 | 380,461,000 | 375,742,000 |
| Total loans | 243,097,000 | 245,854,000 | 250,374,000 | 247,357,000 |
| Allowance for loan losses | 6,356,000 | 6,400,000 | 6,404,000 | 6,410,000 |
| Securities available for sale | 106,087,000 | 104,437,000 | 102,755,000 | 105,353,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,517,000 | 295,360,000 | 297,968,000 | 290,288,000 |
| Interest-bearing deposits | 216,924,000 | 214,656,000 | 217,962,000 | 207,741,000 |
| Noninterest-bearing deposits | 89,593,000 | 80,704,000 | 80,006,000 | 82,547,000 |
| Equity capital | 29,698,000 | 29,250,000 | 28,385,000 | 32,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,567,000 | 7,508,000 | 11,750,000 | 16,109,000 |
| Interest expense | 899,000 | 2,074,000 | 3,474,000 | 5,052,000 |
| Net interest income | 2,668,000 | 5,434,000 | 8,276,000 | 11,057,000 |
| Noninterest income | 310,000 | 611,000 | 909,000 | 1,203,000 |
| Noninterest expense | 1,852,000 | 3,823,000 | 5,701,000 | 7,538,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,126,000 | 2,222,000 | 3,484,000 | 4,920,000 |
| Income tax | 24,000 | 43,000 | 67,000 | 74,000 |
| Net income | 1,102,000 | 2,179,000 | 3,417,000 | 4,846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,115,000 | 39,393,000 | 39,780,000 | 40,410,000 |
| Total capital | 42,879,000 | 43,146,000 | 43,606,000 | 44,241,000 |
| Risk-weighted assets | 298,533,000 | 297,562,000 | 303,517,000 | 303,936,000 |