Call reports 2022
FIVE POINTS BANK — 2022
What FIVE POINTS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,919,341,000 | 1,882,992,000 | 1,894,820,000 | 2,018,808,000 |
| Total loans | 986,538,000 | 1,071,461,000 | 1,093,645,000 | 1,080,751,000 |
| Allowance for loan losses | 15,066,000 | 15,598,000 | 15,928,000 | 16,055,000 |
| Securities available for sale | 788,625,000 | 691,645,000 | 262,734,000 | 208,195,000 |
| Securities held to maturity | 4,127,000 | 2,196,000 | 420,507,000 | 419,420,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,758,959,000 | 1,769,528,000 | 1,706,792,000 | 1,747,022,000 |
| Interest-bearing deposits | 1,404,558,000 | 1,381,855,000 | 1,328,293,000 | 1,354,757,000 |
| Noninterest-bearing deposits | 354,401,000 | 387,673,000 | 378,499,000 | 392,265,000 |
| Equity capital | 126,528,000 | 82,043,000 | 97,256,000 | 104,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 12,786,000 | 26,867,000 | 42,279,000 | 61,937,000 |
| Interest expense | 1,277,000 | 2,573,000 | 4,404,000 | 10,782,000 |
| Net interest income | 11,509,000 | 24,294,000 | 37,875,000 | 51,155,000 |
| Noninterest income | 2,227,000 | 4,347,000 | 6,567,000 | 9,433,000 |
| Noninterest expense | 6,478,000 | 14,279,000 | 21,758,000 | 30,094,000 |
| Provision for loan losses | 250,000 | 750,000 | 1,050,000 | 1,150,000 |
| Pretax income | 7,008,000 | 13,896,000 | 21,925,000 | 28,121,000 |
| Income tax | 188,000 | 375,000 | 563,000 | 770,000 |
| Net income | 6,820,000 | 13,521,000 | 21,362,000 | 27,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 170,827,000 | 175,071,000 | 180,457,000 | 183,990,000 |
| Total capital | — | 190,669,000 | 196,385,000 | 200,045,000 |
| Risk-weighted assets | — | 1,480,507,000 | 1,485,686,000 | 1,400,854,000 |