Call reports 2003
BANK OF PONTIAC — 2003
What BANK OF PONTIAC 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 | 217,848,000 | 224,580,000 | 230,497,000 | 226,986,000 |
| Total loans | 137,909,000 | 139,730,000 | 147,960,000 | 147,794,000 |
| Allowance for loan losses | 2,975,000 | 3,028,000 | 3,096,000 | 3,044,000 |
| Securities available for sale | 62,018,000 | 68,026,000 | 66,073,000 | 64,574,000 |
| Securities held to maturity | 738,000 | 736,000 | 735,000 | 508,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,764,000 | 187,836,000 | 195,149,000 | 189,161,000 |
| Interest-bearing deposits | 165,731,000 | 167,691,000 | 148,945,000 | 167,157,000 |
| Noninterest-bearing deposits | 18,033,000 | 20,145,000 | 46,204,000 | 22,004,000 |
| Equity capital | 29,440,000 | 30,356,000 | 30,132,000 | 30,772,000 |
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 | 3,451,000 | 6,782,000 | 10,176,000 | 13,499,000 |
| Interest expense | 1,016,000 | 1,963,000 | 2,840,000 | 3,683,000 |
| Net interest income | 2,435,000 | 4,819,000 | 7,336,000 | 9,816,000 |
| Noninterest income | 453,000 | 935,000 | 1,324,000 | 1,815,000 |
| Noninterest expense | 1,193,000 | 2,414,000 | 3,641,000 | 4,887,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 700,000 |
| Pretax income | 1,545,000 | 3,050,000 | 4,585,000 | 6,063,000 |
| Income tax | 520,000 | 1,058,000 | 1,618,000 | 1,895,000 |
| Net income | 1,025,000 | 1,992,000 | 2,967,000 | 4,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,732,000 | 28,324,000 | 28,924,000 | 29,500,000 |
| Total capital | 29,240,000 | 29,865,000 | 30,550,000 | 31,122,000 |
| Risk-weighted assets | 119,173,000 | 121,783,000 | 128,583,000 | 128,342,000 |