Call reports 2002
POINTBANK — 2002
What POINTBANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 149,037,000 | 155,354,000 | 172,258,000 | 175,990,000 |
| Total loans | 83,542,000 | 85,944,000 | 89,799,000 | 96,010,000 |
| Allowance for loan losses | 1,140,000 | 1,117,000 | 1,119,000 | 1,144,000 |
| Securities available for sale | 41,954,000 | 39,168,000 | 44,555,000 | 42,454,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,647,000 | 141,625,000 | 157,761,000 | 161,907,000 |
| Interest-bearing deposits | 97,767,000 | 97,657,000 | 110,464,000 | 116,215,000 |
| Noninterest-bearing deposits | 38,880,000 | 43,968,000 | 47,297,000 | 45,692,000 |
| Equity capital | 11,157,000 | 12,114,000 | 12,705,000 | 12,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,353,000 | 4,696,000 | 7,126,000 | 9,665,000 |
| Interest expense | 556,000 | 1,044,000 | 1,592,000 | 2,115,000 |
| Net interest income | 1,797,000 | 3,652,000 | 5,534,000 | 7,550,000 |
| Noninterest income | 698,000 | 1,526,000 | 2,274,000 | 3,313,000 |
| Noninterest expense | 1,998,000 | 4,018,000 | 6,192,000 | 8,607,000 |
| Provision for loan losses | 30,000 | 75,000 | 115,000 | 170,000 |
| Pretax income | 467,000 | 1,085,000 | 1,501,000 | 2,086,000 |
| Income tax | 86,000 | 217,000 | 286,000 | 387,000 |
| Net income | 381,000 | 868,000 | 1,215,000 | 1,699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,035,000 | 11,422,000 | 11,620,000 | 11,778,000 |
| Total capital | 12,175,000 | 12,539,000 | 12,739,000 | 12,922,000 |
| Risk-weighted assets | 108,131,000 | 111,071,000 | 118,344,000 | 124,418,000 |