Call reports 2015
POINTBANK — 2015
What POINTBANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 434,771,000 | 429,929,000 | 428,791,000 | 458,732,000 |
| Total loans | 202,106,000 | 212,464,000 | 216,515,000 | 222,741,000 |
| Allowance for loan losses | 3,991,000 | 4,010,000 | 4,119,000 | 4,152,000 |
| Securities available for sale | 136,219,000 | 136,609,000 | 139,469,000 | 138,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,227,000 | 382,667,000 | 379,025,000 | 409,023,000 |
| Interest-bearing deposits | 264,653,000 | 255,520,000 | 241,007,000 | 262,022,000 |
| Noninterest-bearing deposits | 122,574,000 | 127,147,000 | 138,018,000 | 147,001,000 |
| Equity capital | 43,430,000 | 42,587,000 | 44,345,000 | 46,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,819,000 | 7,605,000 | 11,679,000 | 15,735,000 |
| Interest expense | 269,000 | 529,000 | 759,000 | 972,000 |
| Net interest income | 3,550,000 | 7,076,000 | 10,920,000 | 14,763,000 |
| Noninterest income | 1,211,000 | 2,336,000 | 3,618,000 | 4,736,000 |
| Noninterest expense | 3,515,000 | 7,075,000 | 10,657,000 | 14,272,000 |
| Provision for loan losses | 100,000 | 125,000 | 250,000 | 325,000 |
| Pretax income | 1,146,000 | 2,222,000 | 3,641,000 | 4,912,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,146,000 | 2,222,000 | 3,641,000 | 4,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,283,000 | 40,718,000 | 41,708,000 | 42,879,000 |
| Total capital | 43,186,000 | 43,736,000 | 44,739,000 | 46,123,000 |
| Risk-weighted assets | 231,154,000 | 240,432,000 | 241,396,000 | 258,644,000 |