Call reports 2013
NORTHPOINTE BANK — 2013
What NORTHPOINTE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 318,794,000 | 305,428,000 | 303,038,000 | 299,620,000 |
| Total loans | 280,421,000 | 258,732,000 | 265,321,000 | 260,189,000 |
| Allowance for loan losses | 3,569,000 | 6,815,000 | 6,060,000 | 6,190,000 |
| Securities available for sale | 11,370,000 | 10,706,000 | 10,177,000 | 9,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,047,000 | 271,819,000 | 263,377,000 | 263,910,000 |
| Interest-bearing deposits | 266,821,000 | 260,514,000 | 251,264,000 | 247,424,000 |
| Noninterest-bearing deposits | 10,226,000 | 11,305,000 | 12,113,000 | 16,486,000 |
| Equity capital | 23,465,000 | 22,121,000 | 23,496,000 | 24,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,636,000 | 9,252,000 | 13,625,000 | 17,814,000 |
| Interest expense | 1,016,000 | 2,012,000 | 2,920,000 | 3,759,000 |
| Net interest income | 3,620,000 | 7,240,000 | 10,705,000 | 14,055,000 |
| Noninterest income | 1,625,000 | 3,641,000 | 5,137,000 | 7,770,000 |
| Noninterest expense | 3,291,000 | 6,918,000 | 10,503,000 | 14,609,000 |
| Provision for loan losses | 589,000 | 4,515,000 | 3,821,000 | 4,441,000 |
| Pretax income | 1,365,000 | -552,000 | 1,518,000 | 2,775,000 |
| Income tax | 441,000 | -192,000 | 490,000 | 901,000 |
| Net income | 924,000 | -360,000 | 1,028,000 | 1,874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,328,000 | 22,079,000 | 23,467,000 | 24,314,000 |
| Total capital | 26,443,000 | 24,936,000 | 26,407,000 | 27,276,000 |
| Risk-weighted assets | 248,321,000 | 224,609,000 | 232,065,000 | 233,704,000 |