Call reports 2009
FIVE POINTS BANK — 2009
What FIVE POINTS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 529,157,000 | 525,432,000 | 530,540,000 | 559,539,000 |
| Total loans | 337,945,000 | 337,840,000 | 343,692,000 | 349,304,000 |
| Allowance for loan losses | 3,253,000 | 3,818,000 | 4,309,000 | 4,500,000 |
| Securities available for sale | 38,732,000 | 35,584,000 | 35,089,000 | 36,897,000 |
| Securities held to maturity | 107,938,000 | 104,732,000 | 105,696,000 | 105,961,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 399,151,000 | 397,957,000 | 404,980,000 | 437,435,000 |
| Interest-bearing deposits | 342,691,000 | 341,140,000 | 349,247,000 | 369,360,000 |
| Noninterest-bearing deposits | 56,460,000 | 56,817,000 | 55,733,000 | 68,075,000 |
| Equity capital | 50,640,000 | 52,097,000 | 54,106,000 | 56,201,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,963,000 | 14,148,000 | 21,154,000 | 28,198,000 |
| Interest expense | 2,770,000 | 5,278,000 | 7,582,000 | 9,696,000 |
| Net interest income | 4,193,000 | 8,870,000 | 13,572,000 | 18,502,000 |
| Noninterest income | 756,000 | 1,581,000 | 2,494,000 | 3,381,000 |
| Noninterest expense | 2,594,000 | 5,772,000 | 8,542,000 | 11,982,000 |
| Provision for loan losses | 404,000 | 1,006,000 | 1,608,000 | 1,911,000 |
| Pretax income | 1,911,000 | 3,635,000 | 5,883,000 | 7,832,000 |
| Income tax | 47,000 | 94,000 | 141,000 | 189,000 |
| Net income | 1,864,000 | 3,541,000 | 5,742,000 | 7,643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,689,000 | 51,066,000 | 52,967,000 | 55,266,000 |
| Total capital | 52,942,000 | 54,884,000 | 57,276,000 | 59,766,000 |
| Risk-weighted assets | 390,595,000 | 383,315,000 | 394,638,000 | 400,160,000 |
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