Call reports 2006
POINTBANK — 2006
What POINTBANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 229,989,000 | 227,282,000 | 222,691,000 | 231,623,000 |
| Total loans | 152,886,000 | 159,641,000 | 156,534,000 | 158,627,000 |
| Allowance for loan losses | 1,996,000 | 2,047,000 | 2,086,000 | 2,068,000 |
| Securities available for sale | 34,907,000 | 39,570,000 | 47,923,000 | 53,005,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,361,000 | 206,243,000 | 198,619,000 | 203,363,000 |
| Interest-bearing deposits | 144,273,000 | 191,404,000 | 183,420,000 | 184,069,000 |
| Noninterest-bearing deposits | 65,088,000 | 14,839,000 | 15,199,000 | 19,294,000 |
| Equity capital | 17,462,000 | 17,304,000 | 17,926,000 | 19,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,473,000 | 7,052,000 | 10,803,000 | 14,654,000 |
| Interest expense | 716,000 | 1,447,000 | 2,197,000 | 3,031,000 |
| Net interest income | 2,757,000 | 5,605,000 | 8,606,000 | 11,623,000 |
| Noninterest income | 1,900,000 | 4,053,000 | 6,325,000 | 8,336,000 |
| Noninterest expense | 3,590,000 | 7,516,000 | 11,601,000 | 15,384,000 |
| Provision for loan losses | 300,000 | 440,000 | 540,000 | 665,000 |
| Pretax income | 767,000 | 1,702,000 | 2,790,000 | 3,910,000 |
| Income tax | 729,000 | 729,000 | 729,000 | 729,000 |
| Net income | 38,000 | 973,000 | 2,061,000 | 3,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,467,000 | 17,592,000 | 17,960,000 | 19,080,000 |
| Total capital | 19,424,000 | 19,487,000 | 19,838,000 | 21,008,000 |
| Risk-weighted assets | 156,584,000 | 151,459,000 | 150,053,000 | 154,139,000 |