Call reports 2011
FIVE POINTS BANK — 2011
What FIVE POINTS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 636,085,000 | 619,204,000 | 655,376,000 | 693,969,000 |
| Total loans | 385,346,000 | 396,313,000 | 421,550,000 | 418,543,000 |
| Allowance for loan losses | 5,416,000 | 5,403,000 | 6,292,000 | 6,252,000 |
| Securities available for sale | 78,434,000 | 77,316,000 | 82,181,000 | 120,900,000 |
| Securities held to maturity | 85,423,000 | 84,628,000 | 92,187,000 | 84,483,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 531,242,000 | 518,821,000 | 546,008,000 | 582,202,000 |
| Interest-bearing deposits | 451,699,000 | 438,370,000 | 468,389,000 | 482,776,000 |
| Noninterest-bearing deposits | 79,543,000 | 80,451,000 | 77,619,000 | 99,426,000 |
| Equity capital | 63,489,000 | 64,995,000 | 67,061,000 | 69,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,837,000 | 13,997,000 | 21,282,000 | 28,603,000 |
| Interest expense | 1,487,000 | 2,903,000 | 4,210,000 | 5,451,000 |
| Net interest income | 5,350,000 | 11,094,000 | 17,072,000 | 23,152,000 |
| Noninterest income | 1,154,000 | 2,273,000 | 3,525,000 | 4,962,000 |
| Noninterest expense | 3,150,000 | 6,975,000 | 10,704,000 | 14,759,000 |
| Provision for loan losses | 0 | 200,000 | 1,100,000 | 1,100,000 |
| Pretax income | 3,348,000 | 6,154,000 | 8,859,000 | 12,382,000 |
| Income tax | 56,000 | 111,000 | 167,000 | 252,000 |
| Net income | 3,292,000 | 6,043,000 | 8,692,000 | 12,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,031,000 | 62,941,000 | 64,599,000 | 66,891,000 |
| Total capital | 67,447,000 | 68,344,000 | 70,708,000 | 73,143,000 |
| Risk-weighted assets | 453,608,000 | 461,290,000 | 488,957,000 | 501,414,000 |