Call reports 2004
BANK OF PONTIAC — 2004
What BANK OF PONTIAC 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 | 230,698,000 | 229,560,000 | 234,412,000 | 229,901,000 |
| Total loans | 147,730,000 | 149,905,000 | 148,654,000 | 147,658,000 |
| Allowance for loan losses | 3,153,000 | 3,164,000 | 3,293,000 | 3,195,000 |
| Securities available for sale | 63,871,000 | 61,800,000 | 62,615,000 | 65,489,000 |
| Securities held to maturity | 487,000 | 486,000 | 485,000 | 484,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,820,000 | 195,441,000 | 195,936,000 | 191,220,000 |
| Interest-bearing deposits | 174,900,000 | 173,840,000 | 174,445,000 | 137,699,000 |
| Noninterest-bearing deposits | 19,920,000 | 21,600,000 | 21,491,000 | 53,521,000 |
| Equity capital | 31,553,000 | 30,526,000 | 31,818,000 | 32,241,000 |
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 | 3,289,000 | 6,527,000 | 9,757,000 | 12,894,000 |
| Interest expense | 818,000 | 1,608,000 | 2,413,000 | 3,234,000 |
| Net interest income | 2,471,000 | 4,919,000 | 7,344,000 | 9,660,000 |
| Noninterest income | 434,000 | 819,000 | 1,219,000 | 1,627,000 |
| Noninterest expense | 1,277,000 | 2,514,000 | 3,731,000 | 4,972,000 |
| Provision for loan losses | 150,000 | 400,000 | 550,000 | 750,000 |
| Pretax income | 1,485,000 | 2,832,000 | 4,290,000 | 5,574,000 |
| Income tax | 499,000 | 952,000 | 1,446,000 | 1,630,000 |
| Net income | 986,000 | 1,880,000 | 2,844,000 | 3,944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,985,000 | 30,380,000 | 30,844,000 | 31,444,000 |
| Total capital | 31,630,000 | 32,034,000 | 32,500,000 | 33,089,000 |
| Risk-weighted assets | 130,110,000 | 130,851,000 | 130,867,000 | 130,039,000 |