Call reports 2015
FIVE POINTS BANK — 2015
What FIVE POINTS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 915,908,000 | 916,288,000 | 928,253,000 | 986,321,000 |
| Total loans | 634,972,000 | 636,713,000 | 650,421,000 | 639,287,000 |
| Allowance for loan losses | 8,396,000 | 8,322,000 | 8,546,000 | 8,758,000 |
| Securities available for sale | 157,968,000 | 148,587,000 | 152,984,000 | 163,183,000 |
| Securities held to maturity | 54,944,000 | 52,530,000 | 49,564,000 | 46,919,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 765,482,000 | 766,329,000 | 760,171,000 | 816,915,000 |
| Interest-bearing deposits | 632,867,000 | 636,364,000 | 635,853,000 | 657,804,000 |
| Noninterest-bearing deposits | 132,615,000 | 129,965,000 | 124,318,000 | 159,111,000 |
| Equity capital | 99,090,000 | 100,099,000 | 103,587,000 | 104,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 8,395,000 | 16,915,000 | 25,432,000 | 34,074,000 |
| Interest expense | 1,029,000 | 2,041,000 | 3,066,000 | 4,279,000 |
| Net interest income | 7,366,000 | 14,874,000 | 22,366,000 | 29,795,000 |
| Noninterest income | 1,315,000 | 2,758,000 | 4,104,000 | 5,394,000 |
| Noninterest expense | 4,614,000 | 9,090,000 | 13,833,000 | 18,911,000 |
| Provision for loan losses | 500,000 | 500,000 | 500,000 | 500,000 |
| Pretax income | 3,566,000 | 8,194,000 | 12,333,000 | 16,011,000 |
| Income tax | 93,000 | 186,000 | 279,000 | 369,000 |
| Net income | 3,473,000 | 8,008,000 | 12,054,000 | 15,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,924,000 | 96,862,000 | 99,011,000 | 99,536,000 |
| Total capital | 102,320,000 | 105,184,000 | 107,557,000 | 108,294,000 |
| Risk-weighted assets | 789,506,000 | 782,643,000 | 805,095,000 | 824,567,000 |