Call reports 2002
BANK OF PONTIAC — 2002
What BANK OF PONTIAC 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 | 211,095,000 | 213,620,000 | 219,239,000 | 221,413,000 |
| Total loans | 133,263,000 | 130,699,000 | 132,244,000 | 137,656,000 |
| Allowance for loan losses | 2,678,000 | 2,705,000 | 2,760,000 | 2,932,000 |
| Securities available for sale | 61,285,000 | 62,753,000 | 64,342,000 | 63,919,000 |
| Securities held to maturity | 765,000 | 763,000 | 761,000 | 760,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,537,000 | 181,806,000 | 184,644,000 | 186,673,000 |
| Interest-bearing deposits | 164,586,000 | 164,818,000 | 165,344,000 | 167,229,000 |
| Noninterest-bearing deposits | 15,951,000 | 16,988,000 | 19,300,000 | 19,444,000 |
| Equity capital | 25,601,000 | 26,846,000 | 28,014,000 | 28,891,000 |
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 | 3,542,000 | 6,998,000 | 10,514,000 | 13,932,000 |
| Interest expense | 1,497,000 | 2,888,000 | 4,201,000 | 5,357,000 |
| Net interest income | 2,045,000 | 4,110,000 | 6,313,000 | 8,575,000 |
| Noninterest income | 436,000 | 893,000 | 1,348,000 | 1,891,000 |
| Noninterest expense | 1,134,000 | 2,246,000 | 3,422,000 | 4,601,000 |
| Provision for loan losses | 120,000 | 510,000 | 630,000 | 850,000 |
| Pretax income | 1,227,000 | 2,244,000 | 3,624,000 | 5,029,000 |
| Income tax | 410,000 | 777,000 | 1,259,000 | 1,672,000 |
| Net income | 817,000 | 1,467,000 | 2,365,000 | 3,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,292,000 | 25,692,000 | 26,340,000 | 27,082,000 |
| Total capital | 26,740,000 | 27,125,000 | 27,803,000 | 28,586,000 |
| Risk-weighted assets | 114,629,000 | 113,337,000 | 115,769,000 | 118,915,000 |