Call reports 2007
NORTHPOINTE BANK — 2007
What NORTHPOINTE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 339,571,000 | 349,649,000 | 348,727,000 | 336,004,000 |
| Total loans | 287,501,000 | 292,518,000 | 291,717,000 | 267,758,000 |
| Allowance for loan losses | 4,759,000 | 4,692,000 | 4,674,000 | 5,277,000 |
| Securities available for sale | 21,703,000 | 23,571,000 | 22,271,000 | 23,241,000 |
| Securities held to maturity | 800,000 | 800,000 | 800,000 | 800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,922,000 | 206,419,000 | 207,591,000 | 214,514,000 |
| Interest-bearing deposits | 193,004,000 | 202,019,000 | 205,030,000 | 211,606,000 |
| Noninterest-bearing deposits | 2,918,000 | 4,400,000 | 2,561,000 | 2,908,000 |
| Equity capital | 30,148,000 | 30,731,000 | 31,647,000 | 27,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,007,000 | 14,253,000 | 21,640,000 | 29,103,000 |
| Interest expense | 3,498,000 | 7,142,000 | 10,915,000 | 14,780,000 |
| Net interest income | 3,509,000 | 7,111,000 | 10,725,000 | 14,323,000 |
| Noninterest income | 49,000 | -26,000 | -136,000 | -1,589,000 |
| Noninterest expense | 2,383,000 | 4,897,000 | 7,410,000 | 9,861,000 |
| Provision for loan losses | 300,000 | 600,000 | 902,000 | 5,307,000 |
| Pretax income | 875,000 | 1,588,000 | 2,277,000 | -2,434,000 |
| Income tax | 0 | -3,000 | -3,000 | -3,000 |
| Net income | 875,000 | 1,591,000 | 2,280,000 | -2,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,328,000 | 31,049,000 | 31,744,000 | 27,839,000 |
| Total capital | 33,377,000 | 34,138,000 | 34,818,000 | 30,741,000 |
| Risk-weighted assets | 242,212,000 | 245,495,000 | 244,310,000 | 229,804,000 |
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