Call reports 2009
POINTBANK — 2009
What POINTBANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 309,075,000 | 320,732,000 | 327,379,000 | 333,990,000 |
| Total loans | 201,741,000 | 218,789,000 | 224,789,000 | 216,167,000 |
| Allowance for loan losses | 2,574,000 | 2,738,000 | 2,982,000 | 3,402,000 |
| Securities available for sale | 79,724,000 | 76,738,000 | 78,476,000 | 78,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,542,000 | 267,799,000 | 286,418,000 | 294,868,000 |
| Interest-bearing deposits | 246,663,000 | 248,535,000 | 267,572,000 | 272,847,000 |
| Noninterest-bearing deposits | 17,879,000 | 19,264,000 | 18,846,000 | 22,021,000 |
| Equity capital | 23,226,000 | 22,663,000 | 25,940,000 | 25,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,606,000 | 9,129,000 | 13,849,000 | 18,366,000 |
| Interest expense | 1,334,000 | 2,609,000 | 3,771,000 | 4,847,000 |
| Net interest income | 3,272,000 | 6,520,000 | 10,078,000 | 13,519,000 |
| Noninterest income | 1,265,000 | 2,586,000 | 3,932,000 | 5,383,000 |
| Noninterest expense | 3,327,000 | 7,017,000 | 10,684,000 | 13,866,000 |
| Provision for loan losses | 120,000 | 300,000 | 700,000 | 2,127,000 |
| Pretax income | 1,090,000 | 1,805,000 | 2,667,000 | 2,958,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,090,000 | 1,805,000 | 2,667,000 | 2,958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,121,000 | 23,002,000 | 23,333,000 | 23,624,000 |
| Total capital | 25,695,000 | 25,740,000 | 26,216,000 | 26,538,000 |
| Risk-weighted assets | 211,715,000 | 224,613,000 | 230,568,000 | 232,597,000 |