Call reports 2004
POINTBANK — 2004
What POINTBANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 211,462,000 | 213,059,000 | 217,753,000 | 217,764,000 |
| Total loans | 121,772,000 | 127,704,000 | 132,212,000 | 132,353,000 |
| Allowance for loan losses | 1,392,000 | 1,570,000 | 1,734,000 | 1,845,000 |
| Securities available for sale | 45,089,000 | 52,129,000 | 52,708,000 | 47,615,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,668,000 | 195,733,000 | 199,112,000 | 199,459,000 |
| Interest-bearing deposits | 138,431,000 | 137,879,000 | 142,752,000 | 141,375,000 |
| Noninterest-bearing deposits | 55,237,000 | 57,854,000 | 56,360,000 | 58,084,000 |
| Equity capital | 15,008,000 | 14,640,000 | 15,891,000 | 16,084,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,729,000 | 5,551,000 | 8,550,000 | 11,487,000 |
| Interest expense | 480,000 | 948,000 | 1,404,000 | 1,857,000 |
| Net interest income | 2,249,000 | 4,603,000 | 7,146,000 | 9,630,000 |
| Noninterest income | 1,154,000 | 2,360,000 | 3,715,000 | 4,920,000 |
| Noninterest expense | 2,343,000 | 4,723,000 | 7,274,000 | 9,971,000 |
| Provision for loan losses | 165,000 | 392,000 | 652,000 | 877,000 |
| Pretax income | 895,000 | 1,848,000 | 2,935,000 | 3,702,000 |
| Income tax | 210,000 | 468,000 | 767,000 | 962,000 |
| Net income | 685,000 | 1,380,000 | 2,168,000 | 2,740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,947,000 | 14,502,000 | 15,125,000 | 15,434,000 |
| Total capital | 15,339,000 | 16,072,000 | 16,859,000 | 17,201,000 |
| Risk-weighted assets | 132,595,000 | 138,360,000 | 140,605,000 | 141,294,000 |