Call reports 2008
NORTHPOINTE BANK — 2008
What NORTHPOINTE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 324,734,000 | 298,853,000 | 291,646,000 | 286,771,000 |
| Total loans | 261,428,000 | 254,342,000 | 241,323,000 | 234,946,000 |
| Allowance for loan losses | 5,387,000 | 6,217,000 | 6,203,000 | 9,631,000 |
| Securities available for sale | 23,683,000 | 22,234,000 | 17,652,000 | 16,731,000 |
| Securities held to maturity | 800,000 | 800,000 | 800,000 | 550,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,174,000 | 187,888,000 | 179,309,000 | 182,764,000 |
| Interest-bearing deposits | 206,395,000 | 185,106,000 | 176,903,000 | 179,264,000 |
| Noninterest-bearing deposits | 1,779,000 | 2,782,000 | 2,406,000 | 3,500,000 |
| Equity capital | 27,823,000 | 27,210,000 | 24,506,000 | 18,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,666,000 | 12,942,000 | 18,957,000 | 24,531,000 |
| Interest expense | 3,562,000 | 6,736,000 | 9,738,000 | 12,687,000 |
| Net interest income | 3,104,000 | 6,206,000 | 9,219,000 | 11,844,000 |
| Noninterest income | 131,000 | 181,000 | 51,000 | -230,000 |
| Noninterest expense | 2,466,000 | 4,858,000 | 7,444,000 | 9,969,000 |
| Provision for loan losses | 50,000 | 2,050,000 | 4,550,000 | 10,450,000 |
| Pretax income | 720,000 | -478,000 | -2,683,000 | -9,014,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 720,000 | -478,000 | -2,683,000 | -9,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,566,000 | 27,367,000 | 25,161,000 | 18,831,000 |
| Total capital | 30,395,000 | 30,068,000 | 27,753,000 | 21,450,000 |
| Risk-weighted assets | 223,735,000 | 212,593,000 | 203,749,000 | 202,464,000 |
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