Call reports 2020
FIVE POINTS BANK OF HASTINGS — 2020
What FIVE POINTS BANK OF HASTINGS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 352,785,000 | 356,625,000 | 371,994,000 | 410,893,000 |
| Total loans | 178,230,000 | 208,066,000 | 215,092,000 | 200,999,000 |
| Allowance for loan losses | 2,302,000 | 2,615,000 | 2,615,000 | 2,625,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 82,704,000 | 89,185,000 | 95,000,000 | 104,471,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,367,000 | 300,240,000 | 314,543,000 | 354,616,000 |
| Interest-bearing deposits | 264,537,000 | 261,966,000 | 272,808,000 | 300,792,000 |
| Noninterest-bearing deposits | 36,830,000 | 38,274,000 | 41,735,000 | 53,824,000 |
| Equity capital | 41,901,000 | 43,377,000 | 44,610,000 | 45,558,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,038,000 | 6,912,000 | 9,696,000 | 12,476,000 |
| Interest expense | 712,000 | 1,012,000 | 1,253,000 | 1,446,000 |
| Net interest income | 2,326,000 | 5,900,000 | 8,443,000 | 11,030,000 |
| Noninterest income | 259,000 | 520,000 | 797,000 | 1,067,000 |
| Noninterest expense | 1,515,000 | 3,258,000 | 4,586,000 | 6,309,000 |
| Provision for loan losses | 0 | 300,000 | 300,000 | 300,000 |
| Pretax income | 1,084,000 | 2,900,000 | 4,393,000 | 5,528,000 |
| Income tax | 110,000 | 450,000 | 710,000 | 897,000 |
| Net income | 974,000 | 2,450,000 | 3,683,000 | 4,631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,901,000 | 43,377,000 | 44,610,000 | 45,558,000 |