Call reports 2015
COMMUNITY POINT BANK — 2015
What COMMUNITY POINT BANK 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 | 99,451,000 | 97,682,000 | 98,009,000 | 100,749,000 |
| Total loans | 63,268,000 | 63,910,000 | 67,279,000 | 70,669,000 |
| Allowance for loan losses | 741,000 | 750,000 | 759,000 | 690,000 |
| Securities available for sale | 24,613,000 | 25,309,000 | 23,713,000 | 21,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,686,000 | 86,976,000 | 86,929,000 | 86,818,000 |
| Interest-bearing deposits | 77,118,000 | 76,505,000 | 75,887,000 | 74,349,000 |
| Noninterest-bearing deposits | 11,569,000 | 10,472,000 | 11,042,000 | 12,470,000 |
| Equity capital | 10,584,000 | 10,500,000 | 10,769,000 | 10,537,000 |
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 | 854,000 | 1,708,000 | 2,579,000 | 3,467,000 |
| Interest expense | 181,000 | 363,000 | 549,000 | 735,000 |
| Net interest income | 673,000 | 1,345,000 | 2,030,000 | 2,732,000 |
| Noninterest income | 52,000 | 104,000 | 168,000 | 218,000 |
| Noninterest expense | 535,000 | 1,080,000 | 1,646,000 | 2,192,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 33,000 |
| Pretax income | 185,000 | 355,000 | 540,000 | 747,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 185,000 | 355,000 | 540,000 | 747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,391,000 | 10,563,000 | 10,769,000 | 10,537,000 |
| Total capital | 11,132,000 | 11,313,000 | 11,528,000 | 11,227,000 |
| Risk-weighted assets | 62,571,000 | 63,710,000 | 66,294,000 | 69,795,000 |