Call reports 2016
FIVE POINTS BANK — 2016
What FIVE POINTS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 949,904,000 | 949,737,000 | 948,925,000 | 980,388,000 |
| Total loans | 652,040,000 | 663,418,000 | 656,263,000 | 662,924,000 |
| Allowance for loan losses | 8,973,000 | 9,191,000 | 9,374,000 | 9,572,000 |
| Securities available for sale | 159,508,000 | 167,138,000 | 168,410,000 | 198,950,000 |
| Securities held to maturity | 45,644,000 | 43,840,000 | 39,787,000 | 38,022,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 781,089,000 | 777,322,000 | 783,393,000 | 822,491,000 |
| Interest-bearing deposits | 634,571,000 | 621,662,000 | 633,620,000 | 640,213,000 |
| Noninterest-bearing deposits | 146,518,000 | 155,660,000 | 149,773,000 | 182,278,000 |
| Equity capital | 106,556,000 | 110,444,000 | 111,839,000 | 109,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,554,000 | 17,306,000 | 26,087,000 | 34,902,000 |
| Interest expense | 1,076,000 | 2,153,000 | 3,226,000 | 4,275,000 |
| Net interest income | 7,478,000 | 15,153,000 | 22,861,000 | 30,627,000 |
| Noninterest income | 1,308,000 | 3,139,000 | 4,691,000 | 6,222,000 |
| Noninterest expense | 4,796,000 | 9,654,000 | 14,670,000 | 19,482,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,015,000 | 8,692,000 | 12,939,000 | 17,336,000 |
| Income tax | 93,000 | 186,000 | 279,000 | 373,000 |
| Net income | 3,922,000 | 8,506,000 | 12,660,000 | 16,963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,462,000 | 102,537,000 | 104,696,000 | 106,805,000 |
| Total capital | 109,435,000 | 111,728,000 | 114,070,000 | 116,377,000 |
| Risk-weighted assets | 824,740,000 | 827,688,000 | 820,120,000 | 796,273,000 |