Call reports 2014
POINTBANK — 2014
What POINTBANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 392,758,000 | 401,181,000 | 436,566,000 | 427,985,000 |
| Total loans | 191,043,000 | 199,960,000 | 193,941,000 | 200,542,000 |
| Allowance for loan losses | 3,560,000 | 3,563,000 | 3,651,000 | 3,922,000 |
| Securities available for sale | 141,589,000 | 145,655,000 | 147,594,000 | 137,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 352,198,000 | 357,043,000 | 390,779,000 | 381,626,000 |
| Interest-bearing deposits | 243,198,000 | 238,892,000 | 273,676,000 | 263,303,000 |
| Noninterest-bearing deposits | 109,000,000 | 118,151,000 | 117,103,000 | 118,323,000 |
| Equity capital | 36,806,000 | 39,415,000 | 40,914,000 | 42,407,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,620,000 | 7,338,000 | 11,055,000 | 14,782,000 |
| Interest expense | 260,000 | 498,000 | 727,000 | 993,000 |
| Net interest income | 3,360,000 | 6,840,000 | 10,328,000 | 13,789,000 |
| Noninterest income | 1,197,000 | 2,606,000 | 3,886,000 | 5,299,000 |
| Noninterest expense | 3,487,000 | 7,157,000 | 10,599,000 | 13,928,000 |
| Provision for loan losses | 25,000 | 25,000 | 125,000 | 425,000 |
| Pretax income | 1,003,000 | 2,222,000 | 3,390,000 | 4,579,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,003,000 | 2,222,000 | 3,390,000 | 4,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,197,000 | 37,815,000 | 38,609,000 | 39,565,000 |
| Total capital | 39,922,000 | 40,589,000 | 41,405,000 | 42,401,000 |
| Risk-weighted assets | 217,171,000 | 221,110,000 | 222,788,000 | 225,776,000 |