Call reports 2010
FIVE POINTS BANK — 2010
What FIVE POINTS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 547,374,000 | 551,822,000 | 572,272,000 | 618,405,000 |
| Total loans | 347,842,000 | 350,865,000 | 371,671,000 | 376,245,000 |
| Allowance for loan losses | 4,810,000 | 5,055,000 | 5,016,000 | 5,222,000 |
| Securities available for sale | 35,169,000 | 40,378,000 | 42,259,000 | 65,621,000 |
| Securities held to maturity | 104,558,000 | 101,815,000 | 99,795,000 | 91,355,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 446,950,000 | 455,784,000 | 469,238,000 | 515,435,000 |
| Interest-bearing deposits | 386,364,000 | 391,566,000 | 400,815,000 | 438,936,000 |
| Noninterest-bearing deposits | 60,586,000 | 64,218,000 | 68,423,000 | 76,499,000 |
| Equity capital | 57,806,000 | 59,291,000 | 61,390,000 | 61,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,759,000 | 13,611,000 | 20,588,000 | 27,586,000 |
| Interest expense | 1,883,000 | 3,554,000 | 5,135,000 | 6,714,000 |
| Net interest income | 4,876,000 | 10,057,000 | 15,453,000 | 20,872,000 |
| Noninterest income | 966,000 | 2,086,000 | 3,509,000 | 5,503,000 |
| Noninterest expense | 2,963,000 | 6,281,000 | 9,445,000 | 13,510,000 |
| Provision for loan losses | 302,000 | 602,000 | 652,000 | 852,000 |
| Pretax income | 2,610,000 | 5,223,000 | 8,632,000 | 11,770,000 |
| Income tax | 48,000 | 95,000 | 142,000 | 219,000 |
| Net income | 2,562,000 | 5,128,000 | 8,490,000 | 11,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,915,000 | 58,261,000 | 60,403,000 | 61,195,000 |
| Total capital | 61,725,000 | 63,316,000 | 65,419,000 | 66,417,000 |
| Risk-weighted assets | 401,014,000 | 407,696,000 | 432,524,000 | 444,480,000 |
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