Call reports 2024
WAYPOINT BANK — 2024
What WAYPOINT BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 379,460,000 | 377,152,000 | 379,263,000 | 367,409,000 |
| Total loans | 249,835,000 | 253,225,000 | 250,051,000 | 243,258,000 |
| Allowance for loan losses | 6,402,000 | 6,311,000 | 6,313,000 | 6,313,000 |
| Securities available for sale | 104,346,000 | 102,598,000 | 102,250,000 | 97,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,519,000 | 284,885,000 | 295,040,000 | 297,631,000 |
| Interest-bearing deposits | 214,854,000 | 204,721,000 | 208,981,000 | 211,085,000 |
| Noninterest-bearing deposits | 80,665,000 | 80,164,000 | 86,059,000 | 86,546,000 |
| Equity capital | 32,616,000 | 33,800,000 | 37,253,000 | 36,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,292,000 | 8,671,000 | 13,366,000 | 17,936,000 |
| Interest expense | 1,596,000 | 3,323,000 | 5,187,000 | 6,905,000 |
| Net interest income | 2,696,000 | 5,348,000 | 8,179,000 | 11,031,000 |
| Noninterest income | 317,000 | 642,000 | 978,000 | 1,270,000 |
| Noninterest expense | 1,973,000 | 3,854,000 | 5,813,000 | 7,753,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,040,000 | 2,136,000 | 3,344,000 | 4,548,000 |
| Income tax | 21,000 | 42,000 | 63,000 | 74,000 |
| Net income | 1,019,000 | 2,094,000 | 3,281,000 | 4,474,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,629,000 | 41,104,000 | 41,641,000 | 41,834,000 |
| Total capital | 44,586,000 | 45,040,000 | 45,535,000 | 45,660,000 |
| Risk-weighted assets | 314,142,000 | 312,557,000 | 309,163,000 | 303,643,000 |