Call reports 2012
COMMUNITY POINT BANK — 2012
What COMMUNITY POINT BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 91,665,000 | 91,293,000 | 92,278,000 | 93,795,000 |
| Total loans | 48,433,000 | 47,700,000 | 49,911,000 | 52,081,000 |
| Allowance for loan losses | 684,000 | 710,000 | 716,000 | 725,000 |
| Securities available for sale | 35,673,000 | 38,630,000 | 37,023,000 | 33,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,536,000 | 80,744,000 | 81,372,000 | 83,372,000 |
| Interest-bearing deposits | 73,643,000 | 72,916,000 | 73,547,000 | 75,154,000 |
| Noninterest-bearing deposits | 7,893,000 | 7,828,000 | 7,825,000 | 8,218,000 |
| Equity capital | 9,928,000 | 10,323,000 | 10,637,000 | 10,222,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 882,000 | 1,733,000 | 2,540,000 | 3,340,000 |
| Interest expense | 229,000 | 458,000 | 681,000 | 906,000 |
| Net interest income | 653,000 | 1,275,000 | 1,859,000 | 2,434,000 |
| Noninterest income | 48,000 | 98,000 | 164,000 | 221,000 |
| Noninterest expense | 462,000 | 923,000 | 1,391,000 | 1,858,000 |
| Provision for loan losses | 30,000 | 60,000 | 75,000 | 85,000 |
| Pretax income | 214,000 | 401,000 | 568,000 | 752,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 214,000 | 401,000 | 568,000 | 752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,634,000 | 9,800,000 | 9,965,000 | 9,534,000 |
| Total capital | 10,206,000 | 10,364,000 | 10,560,000 | 10,154,000 |
| Risk-weighted assets | 45,880,000 | 44,972,000 | 47,739,000 | 49,541,000 |
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