Call reports 2007
POINTBANK — 2007
What POINTBANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 243,215,000 | 239,926,000 | 243,560,000 | 245,393,000 |
| Total loans | 156,083,000 | 153,895,000 | 152,485,000 | 159,930,000 |
| Allowance for loan losses | 2,055,000 | 2,042,000 | 2,033,000 | 1,996,000 |
| Securities available for sale | 53,135,000 | 58,431,000 | 70,398,000 | 65,702,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,086,000 | 217,334,000 | 213,020,000 | 215,720,000 |
| Interest-bearing deposits | 202,566,000 | 199,486,000 | 197,641,000 | 197,029,000 |
| Noninterest-bearing deposits | 17,520,000 | 17,848,000 | 15,379,000 | 18,691,000 |
| Equity capital | 19,564,000 | 18,840,000 | 20,092,000 | 21,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,927,000 | 7,914,000 | 12,069,000 | 16,296,000 |
| Interest expense | 962,000 | 2,015,000 | 3,073,000 | 4,240,000 |
| Net interest income | 2,965,000 | 5,899,000 | 8,996,000 | 12,056,000 |
| Noninterest income | 1,742,000 | 3,439,000 | 5,201,000 | 6,616,000 |
| Noninterest expense | 3,825,000 | 7,461,000 | 11,190,000 | 14,512,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 205,000 |
| Pretax income | 882,000 | 1,877,000 | 3,002,000 | 3,955,000 |
| Income tax | 0 | 0 | 0 | -5,000 |
| Net income | 882,000 | 1,877,000 | 3,002,000 | 3,960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,427,000 | 19,534,000 | 20,059,000 | 20,987,000 |
| Total capital | 21,435,000 | 21,568,000 | 22,092,000 | 22,983,000 |
| Risk-weighted assets | 160,383,000 | 162,741,000 | 164,648,000 | 171,151,000 |