Call reports 2013
POINTBANK — 2013
What POINTBANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 377,262,000 | 375,488,000 | 368,583,000 | 377,542,000 |
| Total loans | 184,056,000 | 179,299,000 | 185,546,000 | 191,970,000 |
| Allowance for loan losses | 3,583,000 | 3,568,000 | 3,548,000 | 3,540,000 |
| Securities available for sale | 135,553,000 | 146,917,000 | 144,724,000 | 132,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 336,662,000 | 338,732,000 | 331,789,000 | 339,952,000 |
| Interest-bearing deposits | 241,034,000 | 239,904,000 | 226,228,000 | 231,413,000 |
| Noninterest-bearing deposits | 95,628,000 | 98,828,000 | 105,561,000 | 108,539,000 |
| Equity capital | 37,206,000 | 33,082,000 | 32,472,000 | 34,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,568,000 | 7,123,000 | 10,723,000 | 14,338,000 |
| Interest expense | 291,000 | 576,000 | 842,000 | 1,096,000 |
| Net interest income | 3,277,000 | 6,547,000 | 9,881,000 | 13,242,000 |
| Noninterest income | 1,297,000 | 2,510,000 | 3,823,000 | 4,916,000 |
| Noninterest expense | 3,757,000 | 7,308,000 | 10,706,000 | 14,225,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 150,000 |
| Pretax income | 936,000 | 1,868,000 | 3,117,000 | 4,005,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 936,000 | 1,868,000 | 3,117,000 | 4,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,566,000 | 34,918,000 | 35,856,000 | 36,643,000 |
| Total capital | 37,183,000 | 37,514,000 | 38,504,000 | 39,361,000 |
| Risk-weighted assets | 208,419,000 | 206,717,000 | 210,947,000 | 216,629,000 |