Call reports 2011
POINTBANK — 2011
What POINTBANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 335,629,000 | 328,378,000 | 320,786,000 | 325,697,000 |
| Total loans | 210,275,000 | 197,822,000 | 192,341,000 | 188,411,000 |
| Allowance for loan losses | 3,811,000 | 3,858,000 | 4,029,000 | 3,620,000 |
| Securities available for sale | 81,802,000 | 84,945,000 | 77,439,000 | 88,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,960,000 | 292,905,000 | 283,186,000 | 287,246,000 |
| Interest-bearing deposits | 274,826,000 | 265,497,000 | 253,020,000 | 258,291,000 |
| Noninterest-bearing deposits | 28,134,000 | 27,408,000 | 30,166,000 | 28,955,000 |
| Equity capital | 30,073,000 | 31,997,000 | 33,982,000 | 35,491,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,342,000 | 8,683,000 | 12,797,000 | 16,732,000 |
| Interest expense | 712,000 | 1,347,000 | 1,838,000 | 2,198,000 |
| Net interest income | 3,630,000 | 7,336,000 | 10,959,000 | 14,534,000 |
| Noninterest income | 1,134,000 | 2,521,000 | 3,808,000 | 5,074,000 |
| Noninterest expense | 3,683,000 | 7,684,000 | 11,712,000 | 15,773,000 |
| Provision for loan losses | 400,000 | 750,000 | 900,000 | 900,000 |
| Pretax income | 889,000 | 1,764,000 | 2,966,000 | 3,750,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 889,000 | 1,764,000 | 2,966,000 | 3,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,801,000 | 29,679,000 | 30,554,000 | 31,337,000 |
| Total capital | 31,645,000 | 32,503,000 | 33,296,000 | 34,019,000 |
| Risk-weighted assets | 226,565,000 | 224,852,000 | 218,034,000 | 213,591,000 |