Call reports 2005
BANK OF PONTIAC — 2005
What BANK OF PONTIAC reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 229,208,000 | 231,552,000 | 237,246,000 | 237,537,000 |
| Total loans | 145,622,000 | 147,861,000 | 149,562,000 | 152,161,000 |
| Allowance for loan losses | 3,255,000 | 3,190,000 | 3,236,000 | 3,244,000 |
| Securities available for sale | 66,716,000 | 65,865,000 | 67,553,000 | 64,859,000 |
| Securities held to maturity | 473,000 | 473,000 | 472,000 | 221,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,318,000 | 193,737,000 | 199,214,000 | 199,326,000 |
| Interest-bearing deposits | 169,732,000 | 169,396,000 | 175,624,000 | 172,537,000 |
| Noninterest-bearing deposits | 23,586,000 | 24,341,000 | 23,590,000 | 26,789,000 |
| Equity capital | 31,938,000 | 32,498,000 | 32,637,000 | 32,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,114,000 | 6,299,000 | 9,686,000 | 13,178,000 |
| Interest expense | 849,000 | 1,770,000 | 2,774,000 | 3,851,000 |
| Net interest income | 2,265,000 | 4,529,000 | 6,912,000 | 9,327,000 |
| Noninterest income | 377,000 | 853,000 | 1,213,000 | 1,740,000 |
| Noninterest expense | 1,271,000 | 2,554,000 | 3,859,000 | 5,183,000 |
| Provision for loan losses | 150,000 | 450,000 | 600,000 | 800,000 |
| Pretax income | 1,221,000 | 2,378,000 | 3,666,000 | 5,089,000 |
| Income tax | 392,000 | 752,000 | 1,167,000 | 1,420,000 |
| Net income | 829,000 | 1,626,000 | 2,499,000 | 3,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,774,000 | 32,070,000 | 32,443,000 | 33,113,000 |
| Total capital | 33,357,000 | 33,679,000 | 34,092,000 | 34,786,000 |
| Risk-weighted assets | 124,963,000 | 127,118,000 | 130,339,000 | 132,278,000 |