Call reports 2007
FIVE POINTS BANK OF HASTINGS — 2007
What FIVE POINTS BANK OF HASTINGS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 112,261,000 | 119,917,000 | 124,082,000 | 133,649,000 |
| Total loans | 65,082,000 | 72,686,000 | 76,841,000 | 75,613,000 |
| Allowance for loan losses | 591,000 | 604,000 | 616,000 | 582,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 28,047,000 | 29,170,000 | 27,637,000 | 27,299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,846,000 | 93,291,000 | 100,516,000 | 102,118,000 |
| Interest-bearing deposits | 84,430,000 | 85,764,000 | 92,295,000 | 94,240,000 |
| Noninterest-bearing deposits | 7,416,000 | 7,527,000 | 8,221,000 | 7,878,000 |
| Equity capital | 9,712,000 | 9,885,000 | 10,128,000 | 10,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,684,000 | 3,444,000 | 5,419,000 | 7,346,000 |
| Interest expense | 949,000 | 1,963,000 | 3,082,000 | 4,203,000 |
| Net interest income | 735,000 | 1,481,000 | 2,337,000 | 3,143,000 |
| Noninterest income | 112,000 | 257,000 | 346,000 | 467,000 |
| Noninterest expense | 639,000 | 1,277,000 | 1,940,000 | 2,628,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 209,000 | 450,000 | 720,000 | 948,000 |
| Income tax | 69,000 | 137,000 | 165,000 | 203,000 |
| Net income | 140,000 | 313,000 | 555,000 | 745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,712,000 | 9,885,000 | 10,128,000 | 10,318,000 |
| Total capital | 10,303,000 | 10,489,000 | 10,744,000 | 10,900,000 |
| Risk-weighted assets | 79,342,000 | 89,733,000 | 95,043,000 | 94,935,000 |
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