Call reports 2016
POINTBANK — 2016
What POINTBANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 475,817,000 | 458,431,000 | 456,707,000 | 467,049,000 |
| Total loans | 228,091,000 | 239,998,000 | 251,808,000 | 268,349,000 |
| Allowance for loan losses | 4,222,000 | 4,271,000 | 4,240,000 | 4,328,000 |
| Securities available for sale | 140,773,000 | 146,428,000 | 144,829,000 | 149,038,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 424,831,000 | 406,103,000 | 402,862,000 | 417,332,000 |
| Interest-bearing deposits | 264,668,000 | 253,221,000 | 246,774,000 | 260,612,000 |
| Noninterest-bearing deposits | 160,163,000 | 152,882,000 | 156,088,000 | 156,720,000 |
| Equity capital | 47,010,000 | 48,078,000 | 48,549,000 | 46,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,015,000 | 8,285,000 | 12,474,000 | 16,877,000 |
| Interest expense | 253,000 | 507,000 | 752,000 | 1,001,000 |
| Net interest income | 3,762,000 | 7,778,000 | 11,722,000 | 15,876,000 |
| Noninterest income | 1,065,000 | 2,103,000 | 3,574,000 | 4,677,000 |
| Noninterest expense | 3,617,000 | 7,460,000 | 11,471,000 | 15,304,000 |
| Provision for loan losses | 75,000 | 150,000 | 200,000 | 315,000 |
| Pretax income | 1,141,000 | 2,277,000 | 3,631,000 | 4,940,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,141,000 | 2,277,000 | 3,631,000 | 4,940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,486,000 | 44,064,000 | 45,073,000 | 46,321,000 |
| Total capital | 46,759,000 | 47,332,000 | 48,478,000 | 50,094,000 |
| Risk-weighted assets | 260,905,000 | 260,458,000 | 271,543,000 | 301,295,000 |