Call reports 2023
COMMUNITY POINT BANK — 2023
What COMMUNITY POINT BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 164,780,000 | 166,748,000 | 169,329,000 | 173,128,000 |
| Total loans | 124,980,000 | 126,971,000 | 133,770,000 | 138,094,000 |
| Allowance for loan losses | 1,547,000 | 1,562,000 | 1,607,000 | 1,656,000 |
| Securities available for sale | 25,547,000 | 24,771,000 | 23,747,000 | 23,910,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,686,000 | 149,845,000 | 156,166,000 | 159,428,000 |
| Interest-bearing deposits | 117,910,000 | 123,126,000 | 130,021,000 | 136,264,000 |
| Noninterest-bearing deposits | 25,775,000 | 26,719,000 | 26,145,000 | 23,164,000 |
| Equity capital | 12,330,000 | 12,529,000 | 12,706,000 | 12,987,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,774,000 | 3,738,000 | 5,985,000 | 8,319,000 |
| Interest expense | 724,000 | 1,543,000 | 2,436,000 | 3,411,000 |
| Net interest income | 1,050,000 | 2,195,000 | 3,549,000 | 4,908,000 |
| Noninterest income | 74,000 | 161,000 | 252,000 | 317,000 |
| Noninterest expense | 766,000 | 1,551,000 | 2,361,000 | 3,196,000 |
| Provision for loan losses | 20,000 | 38,000 | 83,000 | 153,000 |
| Pretax income | 338,000 | 767,000 | 1,357,000 | 1,876,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 338,000 | 767,000 | 1,357,000 | 1,876,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,002,000 | 15,365,000 | 15,954,000 | 15,519,000 |
| Total capital | 16,549,000 | 16,927,000 | 17,561,000 | 17,175,000 |
| Risk-weighted assets | 124,009,000 | 129,501,000 | 132,907,000 | 139,572,000 |