Call reports 2015
FIVE POINTS BANK OF HASTINGS — 2015
What FIVE POINTS BANK OF HASTINGS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 266,626,000 | 278,032,000 | 276,342,000 | 283,751,000 |
| Total loans | 119,001,000 | 122,108,000 | 128,513,000 | 126,179,000 |
| Allowance for loan losses | 1,614,000 | 1,625,000 | 1,816,000 | 2,009,000 |
| Securities available for sale | 2,973,000 | 2,967,000 | 2,955,000 | 2,938,000 |
| Securities held to maturity | 97,902,000 | 108,482,000 | 102,296,000 | 95,835,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,939,000 | 239,660,000 | 229,086,000 | 244,927,000 |
| Interest-bearing deposits | 201,686,000 | 209,050,000 | 198,651,000 | 214,045,000 |
| Noninterest-bearing deposits | 28,253,000 | 30,610,000 | 30,435,000 | 30,882,000 |
| Equity capital | 26,970,000 | 27,737,000 | 28,375,000 | 29,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,020,000 | 4,055,000 | 6,152,000 | 8,219,000 |
| Interest expense | 217,000 | 449,000 | 683,000 | 917,000 |
| Net interest income | 1,803,000 | 3,606,000 | 5,469,000 | 7,302,000 |
| Noninterest income | 221,000 | 501,000 | 749,000 | 1,020,000 |
| Noninterest expense | 1,109,000 | 2,140,000 | 3,416,000 | 4,545,000 |
| Provision for loan losses | 30,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 892,000 | 1,944,000 | 2,784,000 | 3,777,000 |
| Income tax | 87,000 | 367,000 | 557,000 | 755,000 |
| Net income | 805,000 | 1,577,000 | 2,227,000 | 3,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,997,000 | 27,279,000 | 27,929,000 | 29,214,000 |
| Total capital | 28,611,000 | 28,904,000 | 29,745,000 | 31,223,000 |
| Risk-weighted assets | 177,130,000 | 182,122,000 | 186,057,000 | 183,154,000 |
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