Call reports 2019
FIVE POINTS BANK — 2019
What FIVE POINTS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,133,574,000 | 1,164,493,000 | 1,200,905,000 | 1,284,481,000 |
| Total loans | 762,559,000 | 783,090,000 | 810,603,000 | 844,062,000 |
| Allowance for loan losses | 9,979,000 | 10,138,000 | 10,205,000 | 11,215,000 |
| Securities available for sale | 220,142,000 | 253,970,000 | 261,866,000 | 295,575,000 |
| Securities held to maturity | 28,207,000 | 21,385,000 | 18,434,000 | 16,411,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 974,524,000 | 999,951,000 | 1,031,063,000 | 1,117,255,000 |
| Interest-bearing deposits | 794,808,000 | 811,433,000 | 830,807,000 | 897,081,000 |
| Noninterest-bearing deposits | 179,716,000 | 188,518,000 | 200,256,000 | 220,174,000 |
| Equity capital | 128,949,000 | 133,264,000 | 136,225,000 | 137,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 11,017,000 | 22,778,000 | 34,915,000 | 47,440,000 |
| Interest expense | 2,373,000 | 5,110,000 | 8,003,000 | 11,062,000 |
| Net interest income | 8,644,000 | 17,668,000 | 26,912,000 | 36,378,000 |
| Noninterest income | 1,403,000 | 3,013,000 | 4,936,000 | 6,704,000 |
| Noninterest expense | 5,320,000 | 11,091,000 | 16,990,000 | 23,279,000 |
| Provision for loan losses | 150,000 | 300,000 | 1,450,000 | 3,050,000 |
| Pretax income | 4,577,000 | 9,297,000 | 13,493,000 | 16,839,000 |
| Income tax | 114,000 | 226,000 | 339,000 | 478,000 |
| Net income | 4,463,000 | 9,071,000 | 13,154,000 | 16,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 124,114,000 | 126,266,000 | 127,893,000 | 129,896,000 |
| Total capital | 134,093,000 | 136,404,000 | 138,098,000 | 141,111,000 |
| Risk-weighted assets | 911,736,000 | 937,180,000 | 975,067,000 | 1,031,378,000 |