Call reports 2016
FIVE POINTS BANK OF HASTINGS — 2016
What FIVE POINTS BANK OF HASTINGS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 279,035,000 | 271,972,000 | 277,425,000 | 286,186,000 |
| Total loans | 127,968,000 | 133,016,000 | 134,091,000 | 133,642,000 |
| Allowance for loan losses | 2,075,000 | 2,139,000 | 2,203,000 | 2,266,000 |
| Securities available for sale | 2,944,000 | 5,947,000 | 5,953,000 | 0 |
| Securities held to maturity | 99,127,000 | 84,961,000 | 87,227,000 | 103,557,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,621,000 | 231,733,000 | 236,333,000 | 242,828,000 |
| Interest-bearing deposits | 210,259,000 | 203,161,000 | 204,752,000 | 207,633,000 |
| Noninterest-bearing deposits | 29,362,000 | 28,572,000 | 31,581,000 | 35,195,000 |
| Equity capital | 29,793,000 | 30,650,000 | 31,364,000 | 32,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,013,000 | 4,067,000 | 6,088,000 | 8,316,000 |
| Interest expense | 230,000 | 466,000 | 693,000 | 916,000 |
| Net interest income | 1,783,000 | 3,601,000 | 5,395,000 | 7,400,000 |
| Noninterest income | 261,000 | 502,000 | 868,000 | 1,223,000 |
| Noninterest expense | 1,184,000 | 2,273,000 | 3,553,000 | 4,746,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 868,000 | 1,917,000 | 2,855,000 | 3,908,000 |
| Income tax | 243,000 | 438,000 | 668,000 | 774,000 |
| Net income | 625,000 | 1,479,000 | 2,187,000 | 3,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,849,000 | 30,703,000 | 31,411,000 | 32,435,000 |
| Total capital | 31,924,000 | 32,842,000 | 33,614,000 | 34,701,000 |
| Risk-weighted assets | 190,960,000 | 186,222,000 | 188,350,000 | 182,455,000 |