Call reports 2010
POINTBANK — 2010
What POINTBANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 326,302,000 | 322,594,000 | 316,540,000 | 318,594,000 |
| Total loans | 210,971,000 | 212,960,000 | 215,247,000 | 212,215,000 |
| Allowance for loan losses | 3,628,000 | 3,592,000 | 3,697,000 | 3,778,000 |
| Securities available for sale | 66,014,000 | 80,505,000 | 67,485,000 | 73,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,284,000 | 289,514,000 | 282,778,000 | 287,676,000 |
| Interest-bearing deposits | 272,039,000 | 262,642,000 | 257,431,000 | 260,729,000 |
| Noninterest-bearing deposits | 26,245,000 | 26,872,000 | 25,347,000 | 26,947,000 |
| Equity capital | 25,267,000 | 27,516,000 | 30,652,000 | 28,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,175,000 | 8,808,000 | 13,065,000 | 17,395,000 |
| Interest expense | 1,025,000 | 1,946,000 | 2,689,000 | 3,356,000 |
| Net interest income | 3,150,000 | 6,862,000 | 10,376,000 | 14,039,000 |
| Noninterest income | 1,279,000 | 2,417,000 | 4,048,000 | 5,362,000 |
| Noninterest expense | 3,747,000 | 7,388,000 | 11,136,000 | 15,154,000 |
| Provision for loan losses | 500,000 | 500,000 | 800,000 | 1,050,000 |
| Pretax income | 694,000 | 1,928,000 | 3,170,000 | 3,883,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 694,000 | 1,928,000 | 3,170,000 | 3,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,008,000 | 26,031,000 | 27,731,000 | 28,265,000 |
| Total capital | 26,852,000 | 28,880,000 | 30,569,000 | 31,070,000 |
| Risk-weighted assets | 226,273,000 | 227,209,000 | 226,066,000 | 223,455,000 |