Call reports 2013
FIVE POINTS BANK — 2013
What FIVE POINTS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 855,258,000 | 844,850,000 | 854,511,000 | 902,939,000 |
| Total loans | 485,285,000 | 512,191,000 | 548,711,000 | 575,356,000 |
| Allowance for loan losses | 6,901,000 | 6,897,000 | 6,967,000 | 7,141,000 |
| Securities available for sale | 216,034,000 | 217,557,000 | 185,980,000 | 174,119,000 |
| Securities held to maturity | 64,952,000 | 62,785,000 | 62,498,000 | 64,873,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 719,029,000 | 702,102,000 | 711,834,000 | 764,627,000 |
| Interest-bearing deposits | 610,335,000 | 587,371,000 | 599,147,000 | 630,177,000 |
| Noninterest-bearing deposits | 108,694,000 | 114,731,000 | 112,687,000 | 134,450,000 |
| Equity capital | 79,892,000 | 76,821,000 | 78,716,000 | 80,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,294,000 | 14,791,000 | 22,492,000 | 30,725,000 |
| Interest expense | 1,196,000 | 2,365,000 | 3,473,000 | 4,672,000 |
| Net interest income | 6,098,000 | 12,426,000 | 19,019,000 | 26,053,000 |
| Noninterest income | 1,398,000 | 2,885,000 | 4,203,000 | 5,878,000 |
| Noninterest expense | 4,163,000 | 8,683,000 | 13,210,000 | 17,617,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 300,000 |
| Pretax income | 3,370,000 | 7,060,000 | 10,098,000 | 13,919,000 |
| Income tax | 76,000 | 148,000 | 220,000 | 341,000 |
| Net income | 3,294,000 | 6,912,000 | 9,878,000 | 13,578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,895,000 | 79,272,000 | 80,757,000 | 82,861,000 |
| Total capital | 83,796,000 | 86,169,000 | 87,724,000 | 90,002,000 |
| Risk-weighted assets | 705,248,000 | 761,464,000 | 781,092,000 | 814,219,000 |