Call reports 2021
FIVE POINTS BANK — 2021
What FIVE POINTS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,793,725,000 | 1,818,692,000 | 1,836,561,000 | 1,925,807,000 |
| Total loans | 951,628,000 | 979,934,000 | 1,000,159,000 | 981,669,000 |
| Allowance for loan losses | 13,708,000 | 14,262,000 | 14,641,000 | 14,782,000 |
| Securities available for sale | 596,401,000 | 676,906,000 | 731,148,000 | 733,909,000 |
| Securities held to maturity | 5,751,000 | 5,583,000 | 4,573,000 | 4,352,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,603,668,000 | 1,609,430,000 | 1,628,162,000 | 1,716,163,000 |
| Interest-bearing deposits | 1,289,849,000 | 1,302,318,000 | 1,297,345,000 | 1,349,078,000 |
| Noninterest-bearing deposits | 313,819,000 | 307,112,000 | 330,817,000 | 367,085,000 |
| Equity capital | 164,179,000 | 172,264,000 | 173,577,000 | 177,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 14,357,000 | 27,416,000 | 39,918,000 | 52,973,000 |
| Interest expense | 1,665,000 | 3,296,000 | 4,854,000 | 6,148,000 |
| Net interest income | 12,692,000 | 24,120,000 | 35,064,000 | 46,825,000 |
| Noninterest income | 2,495,000 | 5,198,000 | 7,537,000 | 10,905,000 |
| Noninterest expense | 5,923,000 | 13,052,000 | 19,784,000 | 27,196,000 |
| Provision for loan losses | 100,000 | 600,000 | 950,000 | 1,050,000 |
| Pretax income | 9,444,000 | 16,035,000 | 22,304,000 | 30,523,000 |
| Income tax | 150,000 | 300,000 | 450,000 | 730,000 |
| Net income | 9,294,000 | 15,735,000 | 21,854,000 | 29,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 153,328,000 | 157,315,000 | 160,978,000 | 166,461,000 |