Call reports 2003
POINTE BANK — 2003
What POINTE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 332,166,000 | 327,945,000 | 348,444,000 | 347,732,000 |
| Total loans | 219,618,000 | 236,207,000 | 251,009,000 | 256,856,000 |
| Allowance for loan losses | 3,371,000 | 3,523,000 | 3,438,000 | 3,441,000 |
| Securities available for sale | 75,727,000 | 64,432,000 | 64,875,000 | 69,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,762,000 | 252,872,000 | 261,959,000 | 267,973,000 |
| Interest-bearing deposits | 193,038,000 | 184,240,000 | 190,252,000 | 192,539,000 |
| Noninterest-bearing deposits | 62,724,000 | 68,632,000 | 71,707,000 | 75,434,000 |
| Equity capital | 30,044,000 | 30,713,000 | 31,377,000 | 31,993,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,556,000 | 9,161,000 | 13,816,000 | 18,586,000 |
| Interest expense | 1,447,000 | 2,708,000 | 3,894,000 | 5,038,000 |
| Net interest income | 3,109,000 | 6,453,000 | 9,922,000 | 13,548,000 |
| Noninterest income | 676,000 | 1,353,000 | 2,029,000 | 2,657,000 |
| Noninterest expense | 3,059,000 | 6,103,000 | 9,288,000 | 12,370,000 |
| Provision for loan losses | -100,000 | 100,000 | -100,000 | -100,000 |
| Pretax income | 826,000 | 1,859,000 | 3,095,000 | 4,371,000 |
| Income tax | 260,000 | 595,000 | 1,012,000 | 1,444,000 |
| Net income | 566,000 | 1,264,000 | 2,083,000 | 2,927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,900,000 | 26,658,000 | 27,531,000 | 28,406,000 |
| Total capital | 28,732,000 | 29,756,000 | 30,665,000 | 31,619,000 |
| Risk-weighted assets | 225,529,000 | 246,453,000 | 250,453,000 | 256,805,000 |