Call reports 2020
FIVE POINTS BANK — 2020
What FIVE POINTS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,297,141,000 | 1,495,809,000 | 1,537,365,000 | 1,640,007,000 |
| Total loans | 860,338,000 | 983,926,000 | 1,006,700,000 | 941,846,000 |
| Allowance for loan losses | 11,454,000 | 13,217,000 | 13,499,000 | 13,575,000 |
| Securities available for sale | 331,477,000 | 348,120,000 | 416,992,000 | 502,801,000 |
| Securities held to maturity | 16,150,000 | 12,447,000 | 7,667,000 | 6,274,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,102,842,000 | 1,294,245,000 | 1,329,198,000 | 1,450,380,000 |
| Interest-bearing deposits | 897,401,000 | 1,019,658,000 | 1,069,115,000 | 1,166,613,000 |
| Noninterest-bearing deposits | 205,441,000 | 274,587,000 | 260,083,000 | 283,767,000 |
| Equity capital | 144,842,000 | 153,643,000 | 157,778,000 | 163,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 12,284,000 | 28,458,000 | 40,607,000 | 52,669,000 |
| Interest expense | 2,963,000 | 5,303,000 | 7,428,000 | 9,233,000 |
| Net interest income | 9,321,000 | 23,155,000 | 33,179,000 | 43,436,000 |
| Noninterest income | 1,838,000 | 4,555,000 | 7,017,000 | 10,411,000 |
| Noninterest expense | 5,690,000 | 12,985,000 | 19,072,000 | 26,190,000 |
| Provision for loan losses | 250,000 | 2,000,000 | 2,250,000 | 2,350,000 |
| Pretax income | 5,220,000 | 12,766,000 | 18,961,000 | 25,758,000 |
| Income tax | 120,000 | 240,000 | 360,000 | 590,000 |
| Net income | 5,100,000 | 12,526,000 | 18,601,000 | 25,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 133,359,000 | 138,759,000 | 142,380,000 | 146,491,000 |