Call reports 2014
FIVE POINTS BANK — 2014
What FIVE POINTS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 925,480,000 | 930,220,000 | 928,909,000 | 967,592,000 |
| Total loans | 603,346,000 | 607,964,000 | 630,457,000 | 637,005,000 |
| Allowance for loan losses | 7,352,000 | 8,244,000 | 9,231,000 | 7,903,000 |
| Securities available for sale | 167,460,000 | 155,400,000 | 157,693,000 | 161,267,000 |
| Securities held to maturity | 62,310,000 | 63,209,000 | 61,128,000 | 57,269,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 782,685,000 | 783,794,000 | 783,608,000 | 820,108,000 |
| Interest-bearing deposits | 662,864,000 | 656,444,000 | 633,243,000 | 637,782,000 |
| Noninterest-bearing deposits | 119,821,000 | 127,350,000 | 150,365,000 | 182,326,000 |
| Equity capital | 85,812,000 | 89,716,000 | 93,114,000 | 96,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 8,203,000 | 16,698,000 | 24,884,000 | 33,423,000 |
| Interest expense | 1,160,000 | 2,310,000 | 3,455,000 | 4,682,000 |
| Net interest income | 7,043,000 | 14,388,000 | 21,429,000 | 28,741,000 |
| Noninterest income | 1,153,000 | 2,662,000 | 4,060,000 | 5,398,000 |
| Noninterest expense | 4,466,000 | 8,983,000 | 13,383,000 | 17,709,000 |
| Provision for loan losses | 200,000 | 1,100,000 | 2,100,000 | 3,100,000 |
| Pretax income | 3,471,000 | 6,968,000 | 9,998,000 | 13,494,000 |
| Income tax | 84,000 | 168,000 | 252,000 | 368,000 |
| Net income | 3,387,000 | 6,800,000 | 9,746,000 | 13,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,761,000 | 86,690,000 | 89,020,000 | 91,761,000 |
| Total capital | 92,113,000 | 94,934,000 | 98,251,000 | 99,664,000 |
| Risk-weighted assets | 840,655,000 | 821,521,000 | 824,396,000 | 822,937,000 |
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