Call reports 2025
POINTBANK — 2025
What POINTBANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,022,264,000 | 1,033,009,000 | 1,088,042,000 | 1,083,598,000 |
| Total loans | 538,883,000 | 552,812,000 | 563,684,000 | 570,687,000 |
| Allowance for loan losses | 8,521,000 | 8,508,000 | 8,557,000 | 8,637,000 |
| Securities available for sale | 447,292,000 | 442,253,000 | 460,259,000 | 463,569,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 900,955,000 | 862,879,000 | 905,237,000 | 993,878,000 |
| Interest-bearing deposits | 623,207,000 | 578,248,000 | 608,330,000 | 699,582,000 |
| Noninterest-bearing deposits | 277,748,000 | 284,631,000 | 296,907,000 | 294,296,000 |
| Equity capital | 68,913,000 | 66,851,000 | 78,527,000 | 82,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 12,925,000 | 26,105,000 | 39,597,000 | 53,660,000 |
| Interest expense | 5,186,000 | 10,453,000 | 15,879,000 | 21,028,000 |
| Net interest income | 7,739,000 | 15,652,000 | 23,718,000 | 32,632,000 |
| Noninterest income | 1,688,000 | 3,236,000 | 4,766,000 | 6,232,000 |
| Noninterest expense | 6,129,000 | 12,299,000 | 18,521,000 | 25,770,000 |
| Provision for loan losses | 50,000 | 125,000 | 380,000 | 615,000 |
| Pretax income | 3,198,000 | 6,339,000 | 9,413,000 | 12,294,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,198,000 | 6,339,000 | 9,413,000 | 12,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,680,000 | 102,116,000 | 101,552,000 | 103,233,000 |
| Total capital | 109,795,000 | 110,360,000 | 109,888,000 | 111,568,000 |
| Risk-weighted assets | 648,405,000 | 658,813,000 | 666,181,000 | 665,966,000 |