Call reports 2014
COMMUNITY POINT BANK — 2014
What COMMUNITY POINT BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 94,346,000 | 93,842,000 | 94,602,000 | 94,460,000 |
| Total loans | 57,127,000 | 58,031,000 | 59,292,000 | 61,548,000 |
| Allowance for loan losses | 758,000 | 767,000 | 754,000 | 731,000 |
| Securities available for sale | 27,423,000 | 29,140,000 | 27,282,000 | 26,109,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,423,000 | 83,513,000 | 83,982,000 | 83,955,000 |
| Interest-bearing deposits | 75,821,000 | 74,052,000 | 73,983,000 | 73,773,000 |
| Noninterest-bearing deposits | 8,603,000 | 9,461,000 | 9,999,000 | 10,182,000 |
| Equity capital | 9,730,000 | 10,096,000 | 10,342,000 | 10,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 849,000 | 1,715,000 | 2,541,000 | 3,384,000 |
| Interest expense | 193,000 | 387,000 | 576,000 | 762,000 |
| Net interest income | 656,000 | 1,328,000 | 1,965,000 | 2,622,000 |
| Noninterest income | 48,000 | 103,000 | 174,000 | 225,000 |
| Noninterest expense | 522,000 | 1,058,000 | 1,603,000 | 2,164,000 |
| Provision for loan losses | 15,000 | 26,000 | 35,000 | 41,000 |
| Pretax income | 169,000 | 370,000 | 542,000 | 687,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 169,000 | 370,000 | 542,000 | 687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,071,000 | 10,273,000 | 10,445,000 | 10,208,000 |
| Total capital | 10,757,000 | 10,966,000 | 11,148,000 | 10,930,000 |
| Risk-weighted assets | 54,814,000 | 55,663,000 | 56,370,000 | 57,757,000 |
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