Call reports 2012
FIVE POINTS BANK — 2012
What FIVE POINTS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 714,833,000 | 738,415,000 | 761,719,000 | 837,762,000 |
| Total loans | 412,366,000 | 439,753,000 | 465,741,000 | 487,708,000 |
| Allowance for loan losses | 6,242,000 | 6,419,000 | 6,707,000 | 6,903,000 |
| Securities available for sale | 150,563,000 | 154,827,000 | 150,738,000 | 181,428,000 |
| Securities held to maturity | 80,085,000 | 75,212,000 | 71,135,000 | 67,674,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 600,835,000 | 604,864,000 | 623,233,000 | 699,907,000 |
| Interest-bearing deposits | 506,683,000 | 502,304,000 | 525,252,000 | 573,905,000 |
| Noninterest-bearing deposits | 94,152,000 | 102,560,000 | 97,981,000 | 126,002,000 |
| Equity capital | 72,151,000 | 73,981,000 | 77,010,000 | 78,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,114,000 | 14,255,000 | 21,592,000 | 29,162,000 |
| Interest expense | 1,202,000 | 2,358,000 | 3,556,000 | 4,755,000 |
| Net interest income | 5,912,000 | 11,897,000 | 18,036,000 | 24,407,000 |
| Noninterest income | 1,401,000 | 3,109,000 | 4,718,000 | 6,692,000 |
| Noninterest expense | 3,665,000 | 7,906,000 | 11,836,000 | 16,208,000 |
| Provision for loan losses | 0 | 175,000 | 575,000 | 775,000 |
| Pretax income | 4,004,000 | 7,355,000 | 10,944,000 | 14,862,000 |
| Income tax | 71,000 | 140,000 | 209,000 | 290,000 |
| Net income | 3,933,000 | 7,215,000 | 10,735,000 | 14,572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,428,000 | 70,853,000 | 73,138,000 | 75,642,000 |
| Total capital | 75,667,000 | 77,272,000 | 79,845,000 | 82,545,000 |
| Risk-weighted assets | 499,630,000 | 564,500,000 | 590,403,000 | 632,376,000 |