Call reports 2008
FIVE POINTS BANK — 2008
What FIVE POINTS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 490,173,000 | 494,045,000 | 507,318,000 | 540,804,000 |
| Total loans | 330,707,000 | 346,177,000 | 352,865,000 | 353,201,000 |
| Allowance for loan losses | 2,653,000 | 2,825,000 | 2,848,000 | 2,994,000 |
| Securities available for sale | 33,609,000 | 33,310,000 | 28,268,000 | 41,981,000 |
| Securities held to maturity | 74,990,000 | 75,788,000 | 80,550,000 | 103,882,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 369,018,000 | 368,108,000 | 373,053,000 | 393,306,000 |
| Interest-bearing deposits | 317,141,000 | 313,679,000 | 318,075,000 | 331,302,000 |
| Noninterest-bearing deposits | 51,877,000 | 54,429,000 | 54,978,000 | 62,004,000 |
| Equity capital | 45,976,000 | 46,229,000 | 46,762,000 | 49,756,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,603,000 | 14,939,000 | 22,214,000 | 29,301,000 |
| Interest expense | 3,790,000 | 7,164,000 | 10,400,000 | 13,499,000 |
| Net interest income | 3,813,000 | 7,775,000 | 11,814,000 | 15,802,000 |
| Noninterest income | 1,047,000 | 1,954,000 | 2,858,000 | 3,748,000 |
| Noninterest expense | 2,651,000 | 5,551,000 | 8,191,000 | 11,080,000 |
| Provision for loan losses | 110,000 | 316,000 | 620,000 | 2,525,000 |
| Pretax income | 2,163,000 | 3,926,000 | 5,641,000 | 5,590,000 |
| Income tax | 44,000 | 87,000 | 130,000 | 177,000 |
| Net income | 2,119,000 | 3,839,000 | 5,511,000 | 5,413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,833,000 | 45,526,000 | 46,392,000 | 48,724,000 |
| Total capital | 47,486,000 | 48,351,000 | 49,242,000 | 51,718,000 |
| Risk-weighted assets | 368,360,000 | 383,192,000 | 391,853,000 | 400,821,000 |
Machine access — free, no API key
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