Call reports 2015
NORTHPOINTE BANK — 2015
What NORTHPOINTE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 455,153,000 | 417,625,000 | 436,572,000 | 459,125,000 |
| Total loans | 397,305,000 | 358,659,000 | 377,759,000 | 400,969,000 |
| Allowance for loan losses | 5,093,000 | 4,845,000 | 4,397,000 | 4,029,000 |
| Securities available for sale | 8,513,000 | 8,251,000 | 8,504,000 | 8,086,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,300,000 | 354,776,000 | 359,663,000 | 366,444,000 |
| Interest-bearing deposits | 316,191,000 | 310,523,000 | 313,965,000 | 323,444,000 |
| Noninterest-bearing deposits | 34,109,000 | 44,253,000 | 45,698,000 | 43,000,000 |
| Equity capital | 37,231,000 | 40,340,000 | 41,884,000 | 43,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,448,000 | 11,097,000 | 16,696,000 | 22,313,000 |
| Interest expense | 875,000 | 1,763,000 | 2,608,000 | 3,499,000 |
| Net interest income | 4,573,000 | 9,334,000 | 14,088,000 | 18,814,000 |
| Noninterest income | 11,078,000 | 18,647,000 | 22,356,000 | 26,305,000 |
| Noninterest expense | 6,080,000 | 13,621,000 | 20,332,000 | 27,332,000 |
| Provision for loan losses | 0 | 0 | -606,000 | -794,000 |
| Pretax income | 9,571,000 | 14,360,000 | 16,718,000 | 18,581,000 |
| Income tax | 3,292,000 | 4,968,000 | 5,791,000 | 6,420,000 |
| Net income | 6,279,000 | 9,392,000 | 10,927,000 | 12,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,117,000 | 35,636,000 | 37,136,000 | 38,391,000 |
| Total capital | 38,608,000 | 40,131,000 | 41,533,000 | 42,420,000 |
| Risk-weighted assets | 355,633,000 | 354,595,000 | 361,381,000 | 383,265,000 |