Call reports 2002
POINTE BANK — 2002
What POINTE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 311,393,000 | 326,521,000 | 332,623,000 | 327,029,000 |
| Total loans | 227,308,000 | 232,376,000 | 228,855,000 | 218,509,000 |
| Allowance for loan losses | 2,556,000 | 3,568,000 | 3,471,000 | 3,519,000 |
| Securities available for sale | 61,678,000 | 55,305,000 | 66,776,000 | 63,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,264,000 | 235,145,000 | 242,895,000 | 237,160,000 |
| Interest-bearing deposits | 170,661,000 | 187,621,000 | 189,085,000 | 188,303,000 |
| Noninterest-bearing deposits | 49,603,000 | 47,524,000 | 53,810,000 | 48,857,000 |
| Equity capital | 26,185,000 | 27,333,000 | 28,774,000 | 29,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,211,000 | 10,389,000 | 15,501,000 | 20,360,000 |
| Interest expense | 2,017,000 | 3,992,000 | 5,851,000 | 7,582,000 |
| Net interest income | 3,194,000 | 6,397,000 | 9,650,000 | 12,778,000 |
| Noninterest income | 488,000 | 1,020,000 | 1,635,000 | 2,397,000 |
| Noninterest expense | 2,711,000 | 5,449,000 | 8,291,000 | 11,350,000 |
| Provision for loan losses | 470,000 | 1,286,000 | 1,161,000 | 812,000 |
| Pretax income | 753,000 | 1,020,000 | 2,175,000 | 3,355,000 |
| Income tax | 238,000 | 290,000 | 682,000 | 1,119,000 |
| Net income | 515,000 | 730,000 | 1,493,000 | 2,236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,370,000 | 23,646,000 | 24,469,000 | 25,273,000 |
| Total capital | 25,926,000 | 26,556,000 | 27,295,000 | 28,006,000 |
| Risk-weighted assets | 218,908,000 | 232,172,000 | 225,465,000 | 217,886,000 |