Call reports 2020
POINTBANK — 2020
What POINTBANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 542,960,000 | 671,278,000 | 652,447,000 | 679,128,000 |
| Total loans | 322,622,000 | 353,325,000 | 354,655,000 | 344,920,000 |
| Allowance for loan losses | 5,218,000 | 5,313,000 | 5,675,000 | 5,946,000 |
| Securities available for sale | 154,586,000 | 159,867,000 | 157,560,000 | 171,658,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 479,371,000 | 548,681,000 | 578,473,000 | 603,809,000 |
| Interest-bearing deposits | 296,093,000 | 303,031,000 | 314,810,000 | 352,168,000 |
| Noninterest-bearing deposits | 183,278,000 | 245,650,000 | 263,663,000 | 251,641,000 |
| Equity capital | 60,704,000 | 68,504,000 | 69,690,000 | 71,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,680,000 | 11,316,000 | 17,354,000 | 23,242,000 |
| Interest expense | 625,000 | 1,056,000 | 1,393,000 | 1,703,000 |
| Net interest income | 5,055,000 | 10,260,000 | 15,961,000 | 21,539,000 |
| Noninterest income | 1,899,000 | 2,713,000 | 3,690,000 | 4,776,000 |
| Noninterest expense | 4,532,000 | 9,015,000 | 13,829,000 | 18,583,000 |
| Provision for loan losses | 50,000 | 125,000 | 525,000 | 825,000 |
| Pretax income | 2,377,000 | 3,838,000 | 5,302,000 | 6,912,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,377,000 | 3,838,000 | 5,302,000 | 6,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,894,000 | 63,227,000 | 64,201,000 | 65,811,000 |
| Total capital | 67,463,000 | 67,846,000 | 68,755,000 | 70,513,000 |
| Risk-weighted assets | 364,876,000 | 368,856,000 | 363,249,000 | 374,916,000 |