Call reports 2006
NORTHPOINTE BANK — 2006
What NORTHPOINTE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 305,879,000 | 317,282,000 | 328,503,000 | 333,428,000 |
| Total loans | 263,705,000 | 271,357,000 | 279,634,000 | 285,040,000 |
| Allowance for loan losses | 4,117,000 | 4,192,000 | 4,070,000 | 4,803,000 |
| Securities available for sale | 22,592,000 | 22,134,000 | 22,168,000 | 21,702,000 |
| Securities held to maturity | 800,000 | 800,000 | 800,000 | 800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,891,000 | 179,296,000 | 191,509,000 | 201,568,000 |
| Interest-bearing deposits | 165,857,000 | 175,629,000 | 188,970,000 | 197,796,000 |
| Noninterest-bearing deposits | 2,034,000 | 3,668,000 | 2,539,000 | 3,772,000 |
| Equity capital | 31,472,000 | 31,596,000 | 31,944,000 | 30,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,160,000 | 12,562,000 | 19,212,000 | 26,076,000 |
| Interest expense | 2,637,000 | 5,384,000 | 8,407,000 | 11,791,000 |
| Net interest income | 3,523,000 | 7,178,000 | 10,805,000 | 14,285,000 |
| Noninterest income | 159,000 | 316,000 | 362,000 | 32,000 |
| Noninterest expense | 1,829,000 | 3,707,000 | 5,738,000 | 7,857,000 |
| Provision for loan losses | 75,000 | 230,000 | 315,000 | 1,150,000 |
| Pretax income | 1,778,000 | 3,557,000 | 5,114,000 | 5,310,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,778,000 | 3,557,000 | 5,114,000 | 5,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,897,000 | 32,177,000 | 32,250,000 | 30,446,000 |
| Total capital | 34,623,000 | 35,012,000 | 35,204,000 | 33,446,000 |
| Risk-weighted assets | 216,710,000 | 225,423,000 | 235,220,000 | 238,235,000 |
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