Call reports 2012
NORTHPOINTE BANK — 2012
What NORTHPOINTE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 292,239,000 | 305,891,000 | 305,910,000 | 315,751,000 |
| Total loans | 255,886,000 | 269,602,000 | 270,014,000 | 276,917,000 |
| Allowance for loan losses | 5,444,000 | 5,365,000 | 4,677,000 | 3,360,000 |
| Securities available for sale | 12,185,000 | 11,183,000 | 10,860,000 | 11,916,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,953,000 | 261,467,000 | 269,966,000 | 273,145,000 |
| Interest-bearing deposits | 258,926,000 | 257,863,000 | 267,144,000 | 270,101,000 |
| Noninterest-bearing deposits | 3,027,000 | 3,604,000 | 2,822,000 | 3,044,000 |
| Equity capital | 16,691,000 | 19,894,000 | 20,900,000 | 22,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,606,000 | 9,124,000 | 13,830,000 | 18,571,000 |
| Interest expense | 1,179,000 | 2,278,000 | 3,335,000 | 4,394,000 |
| Net interest income | 3,427,000 | 6,846,000 | 10,495,000 | 14,177,000 |
| Noninterest income | 1,054,000 | 2,069,000 | 2,894,000 | 5,452,000 |
| Noninterest expense | 2,910,000 | 5,719,000 | 8,627,000 | 11,859,000 |
| Provision for loan losses | 400,000 | 754,000 | 917,000 | 1,633,000 |
| Pretax income | 1,171,000 | 2,519,000 | 3,942,000 | 6,234,000 |
| Income tax | 374,000 | -1,398,000 | -943,000 | -192,000 |
| Net income | 797,000 | 3,917,000 | 4,885,000 | 6,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,226,000 | 18,305,000 | 19,994,000 | 22,439,000 |
| Total capital | 18,565,000 | 20,732,000 | 22,338,000 | 24,845,000 |
| Risk-weighted assets | 183,982,000 | 190,575,000 | 188,601,000 | 191,145,000 |