Call reports 2024
FIVE POINTS BANK — 2024
What FIVE POINTS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 2,020,962,000 | 2,047,799,000 | 2,008,090,000 | 2,097,119,000 |
| Total loans | 1,194,091,000 | 1,179,649,000 | 1,201,662,000 | 1,204,683,000 |
| Allowance for loan losses | 17,129,000 | 17,161,000 | 17,446,000 | 17,606,000 |
| Securities available for sale | 172,716,000 | 168,987,000 | 169,198,000 | 160,839,000 |
| Securities held to maturity | 419,776,000 | 419,441,000 | 419,727,000 | 418,867,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,765,845,000 | 1,787,042,000 | 1,839,783,000 | 1,933,025,000 |
| Interest-bearing deposits | 1,451,035,000 | 1,471,714,000 | 1,514,905,000 | 1,571,138,000 |
| Noninterest-bearing deposits | 314,810,000 | 315,328,000 | 324,878,000 | 361,887,000 |
| Equity capital | 120,867,000 | 124,805,000 | 132,129,000 | 130,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 23,698,000 | 48,183,000 | 73,074,000 | 97,578,000 |
| Interest expense | 12,522,000 | 25,176,000 | 38,320,000 | 49,775,000 |
| Net interest income | 11,176,000 | 23,007,000 | 34,754,000 | 47,803,000 |
| Noninterest income | 2,115,000 | 4,367,000 | 6,715,000 | 8,799,000 |
| Noninterest expense | 8,019,000 | 16,495,000 | 25,095,000 | 34,577,000 |
| Provision for loan losses | 213,000 | 213,000 | 467,000 | 607,000 |
| Pretax income | 5,059,000 | 10,666,000 | 15,907,000 | 21,368,000 |
| Income tax | 203,000 | 405,000 | 608,000 | 743,000 |
| Net income | 4,856,000 | 10,261,000 | 15,299,000 | 20,625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 196,973,000 | 198,879,000 | 200,916,000 | 202,917,000 |
| Total capital | 214,502,000 | 216,440,000 | 218,762,000 | 220,974,000 |
| Risk-weighted assets | 1,476,688,000 | 1,466,442,000 | 1,486,150,000 | 1,469,747,000 |