Call reports 2008
FIVE POINTS BANK OF HASTINGS — 2008
What FIVE POINTS BANK OF HASTINGS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 143,546,000 | 148,413,000 | 149,569,000 | 163,756,000 |
| Total loans | 90,287,000 | 98,312,000 | 100,941,000 | 98,084,000 |
| Allowance for loan losses | 609,000 | 634,000 | 666,000 | 612,000 |
| Securities available for sale | 0 | 282,000 | 22,000 | 0 |
| Securities held to maturity | 26,937,000 | 29,209,000 | 28,704,000 | 27,060,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,402,000 | 107,801,000 | 117,732,000 | 131,916,000 |
| Interest-bearing deposits | 105,144,000 | 99,646,000 | 107,931,000 | 120,334,000 |
| Noninterest-bearing deposits | 9,258,000 | 8,155,000 | 9,801,000 | 11,582,000 |
| Equity capital | 10,674,000 | 11,042,000 | 11,188,000 | 11,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,090,000 | 4,111,000 | 6,219,000 | 8,199,000 |
| Interest expense | 1,087,000 | 2,081,000 | 3,043,000 | 3,957,000 |
| Net interest income | 1,003,000 | 2,030,000 | 3,176,000 | 4,242,000 |
| Noninterest income | 120,000 | 267,000 | 425,000 | 557,000 |
| Noninterest expense | 646,000 | 1,348,000 | 2,086,000 | 2,930,000 |
| Provision for loan losses | 24,000 | 52,000 | 82,000 | 112,000 |
| Pretax income | 453,000 | 899,000 | 1,175,000 | 1,481,000 |
| Income tax | 78,000 | 156,000 | 285,000 | 298,000 |
| Net income | 375,000 | 743,000 | 890,000 | 1,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,674,000 | 11,042,000 | 11,188,000 | 11,477,000 |
| Total capital | 11,283,000 | 11,677,000 | 11,854,000 | 12,089,000 |
| Risk-weighted assets | 107,096,000 | 115,901,000 | 118,435,000 | 114,244,000 |
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