Call reports 2022
POINTBANK — 2022
What POINTBANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 848,975,000 | 852,088,000 | 927,378,000 | 916,573,000 |
| Total loans | 396,414,000 | 416,389,000 | 442,974,000 | 455,590,000 |
| Allowance for loan losses | 6,398,000 | 6,206,000 | 6,735,000 | 6,935,000 |
| Securities available for sale | 369,067,000 | 351,464,000 | 381,197,000 | 397,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 787,853,000 | 806,700,000 | 886,781,000 | 868,835,000 |
| Interest-bearing deposits | 471,357,000 | 466,695,000 | 536,844,000 | 533,090,000 |
| Noninterest-bearing deposits | 316,496,000 | 340,005,000 | 349,937,000 | 335,745,000 |
| Equity capital | 57,511,000 | 40,948,000 | 35,605,000 | 43,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 6,338,000 | 13,003,000 | 20,962,000 | 29,947,000 |
| Interest expense | 315,000 | 720,000 | 1,520,000 | 3,109,000 |
| Net interest income | 6,023,000 | 12,283,000 | 19,442,000 | 26,838,000 |
| Noninterest income | 1,278,000 | 2,651,000 | 4,120,000 | 5,426,000 |
| Noninterest expense | 5,025,000 | 10,082,000 | 15,248,000 | 20,504,000 |
| Provision for loan losses | 75,000 | 150,000 | 700,000 | 1,000,000 |
| Pretax income | 2,215,000 | 4,716,000 | 7,628,000 | 10,774,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,215,000 | 4,716,000 | 7,628,000 | 10,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,404,000 | 75,705,000 | 77,665,000 | 80,812,000 |
| Total capital | 80,242,000 | 81,802,000 | 84,400,000 | 87,747,000 |
| Risk-weighted assets | 466,483,000 | 487,667,000 | 553,091,000 | 565,447,000 |