Call reports 2006
BANK OF PONTIAC — 2006
What BANK OF PONTIAC reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 233,068,000 | 237,864,000 | 242,434,000 | 249,051,000 |
| Total loans | 152,328,000 | 153,036,000 | 154,353,000 | 162,887,000 |
| Allowance for loan losses | 3,349,000 | 3,454,000 | 3,495,000 | 3,228,000 |
| Securities available for sale | 65,218,000 | 68,053,000 | 71,472,000 | 70,426,000 |
| Securities held to maturity | 211,000 | 211,000 | 211,000 | 211,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,685,000 | 200,071,000 | 200,868,000 | 200,514,000 |
| Interest-bearing deposits | 172,237,000 | 174,871,000 | 177,344,000 | 173,134,000 |
| Noninterest-bearing deposits | 23,448,000 | 25,200,000 | 23,524,000 | 27,380,000 |
| Equity capital | 33,151,000 | 32,779,000 | 33,579,000 | 34,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,396,000 | 6,950,000 | 10,665,000 | 14,430,000 |
| Interest expense | 1,126,000 | 2,392,000 | 3,760,000 | 5,255,000 |
| Net interest income | 2,270,000 | 4,558,000 | 6,905,000 | 9,175,000 |
| Noninterest income | 330,000 | 648,000 | 1,070,000 | 1,614,000 |
| Noninterest expense | 1,328,000 | 2,708,000 | 4,133,000 | 5,496,000 |
| Provision for loan losses | 150,000 | 300,000 | 410,000 | 350,000 |
| Pretax income | 1,122,000 | 2,198,000 | 3,432,000 | 4,943,000 |
| Income tax | 356,000 | 693,000 | 1,093,000 | 1,410,000 |
| Net income | 766,000 | 1,505,000 | 2,339,000 | 3,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,380,000 | 33,619,000 | 33,953,000 | 34,647,000 |
| Total capital | 35,121,000 | 35,395,000 | 35,756,000 | 36,539,000 |
| Risk-weighted assets | 137,632,000 | 140,422,000 | 142,586,000 | 150,061,000 |