Call reports 2023
POINTBANK — 2023
What POINTBANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 956,321,000 | 1,013,670,000 | 1,011,373,000 | 1,091,178,000 |
| Total loans | 483,903,000 | 503,034,000 | 515,069,000 | 543,596,000 |
| Allowance for loan losses | 9,412,000 | 9,376,000 | 9,328,000 | 9,441,000 |
| Securities available for sale | 409,186,000 | 408,303,000 | 408,801,000 | 435,386,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 908,684,000 | 966,563,000 | 969,289,000 | 1,029,057,000 |
| Interest-bearing deposits | 604,128,000 | 664,557,000 | 664,302,000 | 715,365,000 |
| Noninterest-bearing deposits | 304,556,000 | 302,006,000 | 304,987,000 | 313,692,000 |
| Equity capital | 42,489,000 | 40,800,000 | 35,502,000 | 55,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 9,848,000 | 20,868,000 | 32,680,000 | 44,845,000 |
| Interest expense | 2,918,000 | 7,550,000 | 12,823,000 | 18,341,000 |
| Net interest income | 6,930,000 | 13,318,000 | 19,857,000 | 26,504,000 |
| Noninterest income | 1,367,000 | 2,876,000 | 4,105,000 | 5,336,000 |
| Noninterest expense | 5,298,000 | 10,497,000 | 15,950,000 | 21,022,000 |
| Provision for loan losses | 200,000 | 200,000 | 200,000 | 368,000 |
| Pretax income | 2,799,000 | 5,448,000 | 7,763,000 | 10,401,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,799,000 | 5,448,000 | 7,763,000 | 10,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,766,000 | 82,822,000 | 85,247,000 | 89,386,000 |
| Total capital | 86,180,000 | 90,383,000 | 93,008,000 | 97,264,000 |
| Risk-weighted assets | 586,707,000 | 604,569,000 | 620,776,000 | 653,319,000 |