Call reports 2003
POINTBANK — 2003
What POINTBANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 178,630,000 | 185,611,000 | 186,726,000 | 211,751,000 |
| Total loans | 99,348,000 | 107,131,000 | 109,891,000 | 113,779,000 |
| Allowance for loan losses | 1,208,000 | 1,256,000 | 1,241,000 | 1,258,000 |
| Securities available for sale | 36,994,000 | 33,172,000 | 34,770,000 | 46,443,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,306,000 | 169,706,000 | 170,975,000 | 195,830,000 |
| Interest-bearing deposits | 118,042,000 | 119,300,000 | 121,258,000 | 138,265,000 |
| Noninterest-bearing deposits | 45,264,000 | 50,406,000 | 49,717,000 | 57,565,000 |
| Equity capital | 13,277,000 | 13,837,000 | 13,691,000 | 14,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,439,000 | 5,010,000 | 7,593,000 | 10,253,000 |
| Interest expense | 501,000 | 971,000 | 1,458,000 | 1,952,000 |
| Net interest income | 1,938,000 | 4,039,000 | 6,135,000 | 8,301,000 |
| Noninterest income | 1,146,000 | 2,251,000 | 3,332,000 | 4,551,000 |
| Noninterest expense | 2,319,000 | 4,720,000 | 7,189,000 | 9,801,000 |
| Provision for loan losses | 70,000 | 155,000 | 270,000 | 370,000 |
| Pretax income | 695,000 | 1,415,000 | 2,008,000 | 2,681,000 |
| Income tax | 158,000 | 315,000 | 441,000 | 602,000 |
| Net income | 537,000 | 1,100,000 | 1,567,000 | 2,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,295,000 | 12,698,000 | 12,920,000 | 13,282,000 |
| Total capital | 13,503,000 | 13,954,000 | 14,161,000 | 14,540,000 |
| Risk-weighted assets | 127,019,000 | 135,024,000 | 137,679,000 | 116,819,000 |