Call reports 2016
COMMUNITY POINT BANK — 2016
What COMMUNITY POINT BANK 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 | 106,930,000 | 108,839,000 | 113,048,000 | 115,210,000 |
| Total loans | 77,912,000 | 83,757,000 | 89,047,000 | 91,279,000 |
| Allowance for loan losses | 702,000 | 730,000 | 810,000 | 915,000 |
| Securities available for sale | 19,544,000 | 16,847,000 | 16,212,000 | 15,312,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,621,000 | 97,445,000 | 99,261,000 | 102,088,000 |
| Interest-bearing deposits | 79,468,000 | 84,991,000 | 86,562,000 | 89,229,000 |
| Noninterest-bearing deposits | 13,153,000 | 12,454,000 | 12,700,000 | 12,859,000 |
| Equity capital | 10,852,000 | 11,103,000 | 11,438,000 | 10,885,000 |
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 | 935,000 | 1,919,000 | 2,939,000 | 3,988,000 |
| Interest expense | 192,000 | 398,000 | 634,000 | 890,000 |
| Net interest income | 743,000 | 1,521,000 | 2,305,000 | 3,098,000 |
| Noninterest income | 47,000 | 97,000 | 163,000 | 214,000 |
| Noninterest expense | 577,000 | 1,211,000 | 1,752,000 | 2,312,000 |
| Provision for loan losses | 10,000 | 34,000 | 114,000 | 219,000 |
| Pretax income | 205,000 | 398,000 | 629,000 | 808,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 205,000 | 398,000 | 629,000 | 808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,777,000 | 10,971,000 | 11,202,000 | 10,882,000 |
| Total capital | 11,479,000 | 11,700,000 | 12,012,000 | 11,796,000 |
| Risk-weighted assets | 76,801,000 | 81,772,000 | 86,079,000 | 87,967,000 |