Call reports 2017
FIVE POINTS BANK — 2017
What FIVE POINTS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 968,006,000 | 973,589,000 | 952,479,000 | 996,789,000 |
| Total loans | 647,768,000 | 681,251,000 | 677,134,000 | 712,977,000 |
| Allowance for loan losses | 10,134,000 | 9,993,000 | 9,977,000 | 9,821,000 |
| Securities available for sale | 198,191,000 | 192,996,000 | 183,422,000 | 177,026,000 |
| Securities held to maturity | 37,236,000 | 36,289,000 | 35,342,000 | 34,376,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 807,139,000 | 815,118,000 | 795,711,000 | 860,573,000 |
| Interest-bearing deposits | 654,481,000 | 655,427,000 | 643,532,000 | 679,981,000 |
| Noninterest-bearing deposits | 152,658,000 | 159,691,000 | 152,179,000 | 180,592,000 |
| Equity capital | 112,093,000 | 115,237,000 | 117,474,000 | 115,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 8,901,000 | 17,937,000 | 27,211,000 | 36,748,000 |
| Interest expense | 1,008,000 | 2,052,000 | 3,185,000 | 4,425,000 |
| Net interest income | 7,893,000 | 15,885,000 | 24,026,000 | 32,323,000 |
| Noninterest income | 1,457,000 | 2,913,000 | 4,428,000 | 6,006,000 |
| Noninterest expense | 4,728,000 | 9,768,000 | 14,815,000 | 20,399,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,623,000 | 8,994,000 | 13,474,000 | 17,768,000 |
| Income tax | 95,000 | 189,000 | 283,000 | 383,000 |
| Net income | 4,528,000 | 8,805,000 | 13,191,000 | 17,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 108,581,000 | 110,366,000 | 112,760,000 | 111,969,000 |
| Total capital | 118,242,000 | 120,359,000 | 122,737,000 | 121,790,000 |
| Risk-weighted assets | 772,444,000 | 803,245,000 | 810,349,000 | 837,228,000 |