Call reports 2007
FIVE POINTS BANK — 2007
What FIVE POINTS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 441,958,000 | 449,741,000 | 463,416,000 | 488,830,000 |
| Total loans | 297,973,000 | 310,883,000 | 325,859,000 | 328,653,000 |
| Allowance for loan losses | 2,218,000 | 2,307,000 | 2,508,000 | 2,549,000 |
| Securities available for sale | 43,087,000 | 40,531,000 | 39,753,000 | 41,261,000 |
| Securities held to maturity | 69,701,000 | 67,485,000 | 64,712,000 | 66,513,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,416,000 | 340,319,000 | 346,689,000 | 372,468,000 |
| Interest-bearing deposits | 295,523,000 | 291,943,000 | 298,413,000 | 316,537,000 |
| Noninterest-bearing deposits | 53,893,000 | 48,376,000 | 48,276,000 | 55,931,000 |
| Equity capital | 41,228,000 | 41,774,000 | 43,089,000 | 44,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,786,000 | 13,925,000 | 21,383,000 | 29,010,000 |
| Interest expense | 3,380,000 | 6,957,000 | 10,692,000 | 14,621,000 |
| Net interest income | 3,406,000 | 6,968,000 | 10,691,000 | 14,389,000 |
| Noninterest income | 761,000 | 1,733,000 | 2,620,000 | 3,597,000 |
| Noninterest expense | 2,445,000 | 5,142,000 | 7,805,000 | 10,518,000 |
| Provision for loan losses | 0 | 100,000 | 312,000 | 422,000 |
| Pretax income | 1,738,000 | 3,487,000 | 5,188,000 | 7,055,000 |
| Income tax | 42,000 | 83,000 | 125,000 | 164,000 |
| Net income | 1,696,000 | 3,404,000 | 5,063,000 | 6,891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,847,000 | 41,708,000 | 42,520,000 | 43,581,000 |
| Total capital | 43,065,000 | 44,015,000 | 45,028,000 | 46,130,000 |
| Risk-weighted assets | 333,767,000 | 345,919,000 | 358,618,000 | 369,031,000 |
Machine access — free, no API key
Every figure shown here about FIVE POINTS BANK — 2007 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.