Call reports 2004
POINTE BANK — 2004
What POINTE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 373,303,000 | 373,561,000 | 428,410,000 | 412,491,000 |
| Total loans | 260,639,000 | 278,706,000 | 279,731,000 | 287,414,000 |
| Allowance for loan losses | 3,550,000 | 3,301,000 | 3,320,000 | 3,350,000 |
| Securities available for sale | 68,532,000 | 69,952,000 | 96,878,000 | 103,493,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,203,000 | 287,761,000 | 320,412,000 | 314,085,000 |
| Interest-bearing deposits | 210,725,000 | 199,085,000 | 217,278,000 | 219,420,000 |
| Noninterest-bearing deposits | 81,478,000 | 88,676,000 | 103,134,000 | 94,665,000 |
| Equity capital | 33,205,000 | 33,051,000 | 34,759,000 | 35,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,779,000 | 9,806,000 | 15,111,000 | 20,807,000 |
| Interest expense | 1,087,000 | 2,197,000 | 3,404,000 | 4,824,000 |
| Net interest income | 3,692,000 | 7,609,000 | 11,707,000 | 15,983,000 |
| Noninterest income | 989,000 | 1,734,000 | 2,429,000 | 3,133,000 |
| Noninterest expense | 3,194,000 | 6,369,000 | 9,665,000 | 13,306,000 |
| Provision for loan losses | 100,000 | 215,000 | 215,000 | 215,000 |
| Pretax income | 1,387,000 | 2,893,000 | 4,390,000 | 5,729,000 |
| Income tax | 435,000 | 934,000 | 1,437,000 | 1,889,000 |
| Net income | 952,000 | 1,959,000 | 2,953,000 | 3,840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,442,000 | 30,452,000 | 31,541,000 | 32,485,000 |
| Total capital | 32,834,000 | 33,753,000 | 34,861,000 | 35,835,000 |
| Risk-weighted assets | 271,165,000 | 285,325,000 | 301,104,000 | 298,136,000 |