Call reports 2025
WAYPOINT BANK — 2025
What WAYPOINT BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 373,123,000 | 380,300,000 | 384,729,000 | 411,340,000 |
| Total loans | 255,623,000 | 265,190,000 | 268,318,000 | 282,555,000 |
| Allowance for loan losses | 6,315,000 | 6,315,000 | 6,316,000 | 6,522,000 |
| Securities available for sale | 93,119,000 | 90,978,000 | 90,885,000 | 79,916,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,528,000 | 293,016,000 | 294,111,000 | 340,513,000 |
| Interest-bearing deposits | 212,377,000 | 214,029,000 | 215,690,000 | 237,947,000 |
| Noninterest-bearing deposits | 84,151,000 | 78,987,000 | 78,421,000 | 102,566,000 |
| Equity capital | 38,105,000 | 39,893,000 | 41,419,000 | 42,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,444,000 | 9,203,000 | 14,272,000 | 19,570,000 |
| Interest expense | 1,355,000 | 2,779,000 | 4,384,000 | 5,926,000 |
| Net interest income | 3,089,000 | 6,424,000 | 9,888,000 | 13,644,000 |
| Noninterest income | 310,000 | 630,000 | 983,000 | 1,361,000 |
| Noninterest expense | 2,009,000 | 4,048,000 | 6,283,000 | 8,703,000 |
| Provision for loan losses | 0 | 0 | 0 | 60,000 |
| Pretax income | 1,390,000 | 3,006,000 | 4,588,000 | 6,242,000 |
| Income tax | 18,000 | 36,000 | 54,000 | 67,000 |
| Net income | 1,372,000 | 2,970,000 | 4,534,000 | 6,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,216,000 | 43,164,000 | 43,578,000 | 41,716,000 |
| Total capital | 46,207,000 | 47,234,000 | 47,694,000 | 46,032,000 |
| Risk-weighted assets | 316,990,000 | 323,407,000 | 327,087,000 | 343,153,000 |