Call reports 2008
POINTBANK — 2008
What POINTBANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 281,238,000 | 290,378,000 | 297,892,000 | 299,130,000 |
| Total loans | 167,567,000 | 170,508,000 | 177,155,000 | 193,803,000 |
| Allowance for loan losses | 2,210,000 | 2,287,000 | 2,170,000 | 2,320,000 |
| Securities available for sale | 88,795,000 | 95,883,000 | 83,917,000 | 83,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,559,000 | 247,467,000 | 255,809,000 | 254,482,000 |
| Interest-bearing deposits | 226,449,000 | 227,790,000 | 235,523,000 | 237,023,000 |
| Noninterest-bearing deposits | 18,110,000 | 19,677,000 | 20,286,000 | 17,459,000 |
| Equity capital | 21,955,000 | 19,853,000 | 20,157,000 | 23,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,177,000 | 8,622,000 | 13,159,000 | 17,742,000 |
| Interest expense | 1,241,000 | 2,653,000 | 3,954,000 | 5,304,000 |
| Net interest income | 2,936,000 | 5,969,000 | 9,205,000 | 12,438,000 |
| Noninterest income | 1,238,000 | 2,602,000 | 3,907,000 | 5,261,000 |
| Noninterest expense | 3,353,000 | 6,796,000 | 10,512,000 | 13,846,000 |
| Provision for loan losses | 225,000 | 400,000 | 450,000 | 600,000 |
| Pretax income | 596,000 | 1,375,000 | 2,200,000 | 3,423,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 727,000 | 1,506,000 | 2,331,000 | 3,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,049,000 | 20,927,000 | 21,234,000 | 22,457,000 |
| Total capital | 23,259,000 | 23,214,000 | 23,404,000 | 24,777,000 |
| Risk-weighted assets | 185,432,000 | 193,055,000 | 195,468,000 | 205,899,000 |