Call reports 2010
NORTHPOINTE BANK — 2010
What NORTHPOINTE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 266,669,000 | 261,387,000 | 275,696,000 | 274,760,000 |
| Total loans | 209,781,000 | 225,669,000 | 237,889,000 | 218,495,000 |
| Allowance for loan losses | 9,856,000 | 8,803,000 | 8,053,000 | 6,929,000 |
| Securities available for sale | 19,698,000 | 12,863,000 | 7,799,000 | 8,177,000 |
| Securities held to maturity | 550,000 | 332,000 | 332,000 | 255,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,269,000 | 191,781,000 | 213,860,000 | 214,108,000 |
| Interest-bearing deposits | 192,193,000 | 188,835,000 | 211,280,000 | 211,694,000 |
| Noninterest-bearing deposits | 2,076,000 | 2,946,000 | 2,580,000 | 2,414,000 |
| Equity capital | 12,524,000 | 12,181,000 | 12,568,000 | 12,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,540,000 | 9,084,000 | 13,798,000 | 18,463,000 |
| Interest expense | 2,004,000 | 3,883,000 | 5,699,000 | 7,503,000 |
| Net interest income | 2,536,000 | 5,201,000 | 8,099,000 | 10,960,000 |
| Noninterest income | 19,000 | 456,000 | 1,248,000 | 2,242,000 |
| Noninterest expense | 2,132,000 | 4,355,000 | 6,774,000 | 9,287,000 |
| Provision for loan losses | 900,000 | 1,825,000 | 2,775,000 | 3,675,000 |
| Pretax income | -475,000 | -786,000 | -320,000 | 45,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -475,000 | -786,000 | -320,000 | 45,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,411,000 | 12,100,000 | 12,566,000 | 12,932,000 |
| Total capital | 14,700,000 | 14,427,000 | 14,953,000 | 15,203,000 |
| Risk-weighted assets | 175,546,000 | 179,719,000 | 185,319,000 | 176,985,000 |