Call reports 2023
FIVE POINTS BANK — 2023
What FIVE POINTS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,971,205,000 | 1,948,655,000 | 1,969,577,000 | 2,067,220,000 |
| Total loans | 1,093,595,000 | 1,112,259,000 | 1,135,571,000 | 1,159,852,000 |
| Allowance for loan losses | 16,260,000 | 16,570,000 | 16,939,000 | 16,893,000 |
| Securities available for sale | 193,386,000 | 185,041,000 | 176,455,000 | 177,408,000 |
| Securities held to maturity | 419,320,000 | 419,611,000 | 419,985,000 | 419,467,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,723,352,000 | 1,697,013,000 | 1,716,840,000 | 1,813,315,000 |
| Interest-bearing deposits | 1,381,464,000 | 1,355,427,000 | 1,404,887,000 | 1,454,311,000 |
| Noninterest-bearing deposits | 341,888,000 | 341,586,000 | 311,953,000 | 359,004,000 |
| Equity capital | 111,945,000 | 113,591,000 | 112,693,000 | 120,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 19,312,000 | 40,073,000 | 61,640,000 | 85,205,000 |
| Interest expense | 6,899,000 | 15,233,000 | 25,333,000 | 37,128,000 |
| Net interest income | 12,413,000 | 24,840,000 | 36,307,000 | 48,077,000 |
| Noninterest income | 1,941,000 | 4,037,000 | 6,129,000 | 8,748,000 |
| Noninterest expense | 6,734,000 | 15,025,000 | 22,789,000 | 31,496,000 |
| Provision for loan losses | 175,000 | 459,000 | 803,000 | 1,164,000 |
| Pretax income | 7,302,000 | 13,250,000 | 18,701,000 | 24,022,000 |
| Income tax | 188,000 | 375,000 | 563,000 | 720,000 |
| Net income | 7,114,000 | 12,875,000 | 18,138,000 | 23,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 188,604,000 | 191,866,000 | 194,629,000 | 195,792,000 |
| Total capital | 204,863,000 | 208,436,000 | 211,568,000 | 213,085,000 |
| Risk-weighted assets | 1,397,390,000 | 1,413,947,000 | 1,429,068,000 | 1,443,328,000 |