Call reports 2019
POINTBANK — 2019
What POINTBANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 548,883,000 | 544,179,000 | 543,306,000 | 553,459,000 |
| Total loans | 305,577,000 | 310,893,000 | 322,603,000 | 314,127,000 |
| Allowance for loan losses | 5,151,000 | 5,142,000 | 5,185,000 | 5,080,000 |
| Securities available for sale | 159,221,000 | 171,508,000 | 167,223,000 | 167,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 488,167,000 | 480,606,000 | 477,214,000 | 486,306,000 |
| Interest-bearing deposits | 308,976,000 | 298,195,000 | 293,249,000 | 302,592,000 |
| Noninterest-bearing deposits | 179,191,000 | 182,411,000 | 183,965,000 | 183,714,000 |
| Equity capital | 57,696,000 | 59,740,000 | 61,484,000 | 63,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,789,000 | 11,682,000 | 17,625,000 | 23,541,000 |
| Interest expense | 812,000 | 1,629,000 | 2,383,000 | 3,024,000 |
| Net interest income | 4,977,000 | 10,053,000 | 15,242,000 | 20,517,000 |
| Noninterest income | 1,130,000 | 2,235,000 | 3,343,000 | 4,450,000 |
| Noninterest expense | 4,477,000 | 9,160,000 | 13,787,000 | 18,273,000 |
| Provision for loan losses | 50,000 | 75,000 | 125,000 | 125,000 |
| Pretax income | 1,565,000 | 3,039,000 | 4,659,000 | 6,555,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,565,000 | 3,039,000 | 4,659,000 | 6,555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,241,000 | 57,891,000 | 59,210,000 | 61,106,000 |
| Total capital | 61,543,000 | 62,262,000 | 63,706,000 | 65,568,000 |
| Risk-weighted assets | 343,347,000 | 348,932,000 | 359,047,000 | 356,415,000 |