Call reports 2018
FIVE POINTS BANK — 2018
What FIVE POINTS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,040,615,000 | 1,063,815,000 | 1,072,748,000 | 1,104,715,000 |
| Total loans | 734,280,000 | 757,638,000 | 771,526,000 | 767,874,000 |
| Allowance for loan losses | 9,818,000 | 9,823,000 | 9,833,000 | 9,830,000 |
| Securities available for sale | 186,609,000 | 197,994,000 | 198,606,000 | 208,330,000 |
| Securities held to maturity | 33,556,000 | 31,593,000 | 30,918,000 | 29,621,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 893,076,000 | 918,787,000 | 925,528,000 | 954,068,000 |
| Interest-bearing deposits | 709,845,000 | 726,258,000 | 739,789,000 | 748,680,000 |
| Noninterest-bearing deposits | 183,231,000 | 192,529,000 | 185,739,000 | 205,388,000 |
| Equity capital | 118,125,000 | 120,205,000 | 120,652,000 | 123,769,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 9,414,000 | 19,407,000 | 30,037,000 | 41,093,000 |
| Interest expense | 1,236,000 | 2,675,000 | 4,483,000 | 6,520,000 |
| Net interest income | 8,178,000 | 16,732,000 | 25,554,000 | 34,573,000 |
| Noninterest income | 1,381,000 | 2,968,000 | 4,585,000 | 6,174,000 |
| Noninterest expense | 4,724,000 | 9,989,000 | 15,934,000 | 22,142,000 |
| Provision for loan losses | 0 | 0 | 0 | 500,000 |
| Pretax income | 4,812,000 | 9,688,000 | 14,235,000 | 18,135,000 |
| Income tax | 96,000 | 191,000 | 287,000 | 426,000 |
| Net income | 4,716,000 | 9,497,000 | 13,948,000 | 17,709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 116,729,000 | 119,055,000 | 121,051,000 | 122,106,000 |
| Total capital | 126,547,000 | 128,878,000 | 130,884,000 | 131,936,000 |
| Risk-weighted assets | 871,830,000 | 888,273,000 | 904,303,000 | 910,204,000 |