Call reports 2001
BANK OF PONTIAC — 2001
What BANK OF PONTIAC reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 201,911,000 | 206,213,000 | 221,209,000 | 211,272,000 |
| Total loans | 126,245,000 | 128,124,000 | 130,790,000 | 137,687,000 |
| Allowance for loan losses | 2,501,000 | 2,519,000 | 2,567,000 | 2,591,000 |
| Securities available for sale | 64,322,000 | 62,506,000 | 64,960,000 | 61,231,000 |
| Securities held to maturity | 290,000 | 290,000 | 290,000 | 785,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,804,000 | 175,429,000 | 188,530,000 | 180,602,000 |
| Interest-bearing deposits | 155,250,000 | 158,717,000 | 172,800,000 | 161,125,000 |
| Noninterest-bearing deposits | 17,554,000 | 16,712,000 | 15,730,000 | 19,477,000 |
| Equity capital | 25,038,000 | 25,504,000 | 26,657,000 | 25,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,749,000 | 7,438,000 | 11,131,000 | 14,817,000 |
| Interest expense | 1,902,000 | 3,758,000 | 5,566,000 | 7,201,000 |
| Net interest income | 1,847,000 | 3,680,000 | 5,565,000 | 7,616,000 |
| Noninterest income | 297,000 | 673,000 | 1,098,000 | 1,512,000 |
| Noninterest expense | 1,102,000 | 2,177,000 | 3,243,000 | 4,347,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 620,000 |
| Pretax income | 937,000 | 1,966,000 | 3,105,000 | 4,161,000 |
| Income tax | 281,000 | 602,000 | 956,000 | 1,219,000 |
| Net income | 656,000 | 1,364,000 | 2,149,000 | 2,942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,277,000 | 24,821,000 | 25,432,000 | 24,725,000 |
| Total capital | 25,682,000 | 26,242,000 | 26,902,000 | 26,200,000 |
| Risk-weighted assets | 111,288,000 | 112,600,000 | 116,489,000 | 116,782,000 |