Call reports 2005
POINTBANK — 2005
What POINTBANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 214,559,000 | 213,794,000 | 221,619,000 | 226,969,000 |
| Total loans | 134,507,000 | 137,276,000 | 148,422,000 | 161,350,000 |
| Allowance for loan losses | 1,762,000 | 1,729,000 | 1,705,000 | 1,768,000 |
| Securities available for sale | 45,319,000 | 39,749,000 | 37,896,000 | 36,779,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,897,000 | 193,558,000 | 200,346,000 | 203,078,000 |
| Interest-bearing deposits | 138,840,000 | 133,952,000 | 138,242,000 | 138,251,000 |
| Noninterest-bearing deposits | 56,057,000 | 59,606,000 | 62,104,000 | 64,827,000 |
| Equity capital | 16,708,000 | 17,389,000 | 17,904,000 | 17,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,930,000 | 6,173,000 | 9,808,000 | 12,771,000 |
| Interest expense | 429,000 | 868,000 | 1,352,000 | 1,950,000 |
| Net interest income | 2,501,000 | 5,305,000 | 8,456,000 | 10,821,000 |
| Noninterest income | 1,925,000 | 3,123,000 | 4,413,000 | 6,613,000 |
| Noninterest expense | 2,732,000 | 5,820,000 | 9,033,000 | 12,612,000 |
| Provision for loan losses | 140,000 | 190,000 | 400,000 | 680,000 |
| Pretax income | 1,554,000 | 2,418,000 | 3,436,000 | 4,142,000 |
| Income tax | 462,000 | 673,000 | 960,000 | 1,185,000 |
| Net income | 1,092,000 | 1,745,000 | 2,476,000 | 2,957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,525,000 | 17,044,000 | 17,676,000 | 17,272,000 |
| Total capital | 18,287,000 | 18,773,000 | 19,381,000 | 19,040,000 |
| Risk-weighted assets | 143,203,000 | 142,357,000 | 150,904,000 | 158,013,000 |