Call reports 2012
POINTBANK — 2012
What POINTBANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 346,691,000 | 351,587,000 | 348,661,000 | 356,119,000 |
| Total loans | 181,674,000 | 174,430,000 | 180,398,000 | 178,777,000 |
| Allowance for loan losses | 3,918,000 | 3,779,000 | 3,832,000 | 3,818,000 |
| Securities available for sale | 117,535,000 | 121,712,000 | 120,659,000 | 130,297,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,174,000 | 312,004,000 | 306,773,000 | 314,859,000 |
| Interest-bearing deposits | 228,996,000 | 231,235,000 | 220,934,000 | 224,633,000 |
| Noninterest-bearing deposits | 79,178,000 | 80,769,000 | 85,839,000 | 90,226,000 |
| Equity capital | 35,856,000 | 36,430,000 | 38,387,000 | 38,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,880,000 | 7,710,000 | 11,424,000 | 15,015,000 |
| Interest expense | 360,000 | 698,000 | 1,013,000 | 1,304,000 |
| Net interest income | 3,520,000 | 7,012,000 | 10,411,000 | 13,711,000 |
| Noninterest income | 1,140,000 | 2,347,000 | 3,551,000 | 4,485,000 |
| Noninterest expense | 4,043,000 | 7,687,000 | 11,361,000 | 14,901,000 |
| Provision for loan losses | 313,000 | 463,000 | 413,000 | 412,000 |
| Pretax income | 990,000 | 1,980,000 | 2,959,000 | 3,829,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 990,000 | 1,980,000 | 2,959,000 | 3,829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,977,000 | 32,457,000 | 33,140,000 | 33,870,000 |
| Total capital | 34,564,000 | 34,972,000 | 35,684,000 | 36,440,000 |
| Risk-weighted assets | 205,605,000 | 199,919,000 | 202,200,000 | 204,326,000 |