Call reports 2009
FIVE POINTS BANK OF HASTINGS — 2009
What FIVE POINTS BANK OF HASTINGS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 160,369,000 | 163,270,000 | 165,388,000 | 172,778,000 |
| Total loans | 101,106,000 | 99,667,000 | 102,543,000 | 101,698,000 |
| Allowance for loan losses | 695,000 | 759,000 | 814,000 | 1,015,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 30,077,000 | 30,467,000 | 33,711,000 | 36,666,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,926,000 | 131,405,000 | 133,229,000 | 140,247,000 |
| Interest-bearing deposits | 120,298,000 | 122,309,000 | 124,620,000 | 128,080,000 |
| Noninterest-bearing deposits | 8,628,000 | 9,096,000 | 8,609,000 | 12,167,000 |
| Equity capital | 11,824,000 | 12,195,000 | 12,685,000 | 13,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,928,000 | 3,888,000 | 5,885,000 | 7,873,000 |
| Interest expense | 810,000 | 1,533,000 | 2,180,000 | 2,740,000 |
| Net interest income | 1,118,000 | 2,355,000 | 3,705,000 | 5,133,000 |
| Noninterest income | 158,000 | 346,000 | 536,000 | 699,000 |
| Noninterest expense | 781,000 | 1,675,000 | 2,491,000 | 3,369,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 385,000 |
| Pretax income | 435,000 | 908,000 | 1,572,000 | 2,080,000 |
| Income tax | 88,000 | 191,000 | 364,000 | 496,000 |
| Net income | 347,000 | 717,000 | 1,208,000 | 1,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,824,000 | 12,195,000 | 12,685,000 | 13,061,000 |
| Total capital | 12,519,000 | 12,954,000 | 13,499,000 | 14,076,000 |
| Risk-weighted assets | 118,064,000 | 117,874,000 | 121,339,000 | 124,050,000 |
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