Call reports 2007
BANK OF PONTIAC — 2007
What BANK OF PONTIAC reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 246,072,000 | 250,672,000 | 262,406,000 | 264,080,000 |
| Total loans | 159,018,000 | 162,596,000 | 174,521,000 | 176,401,000 |
| Allowance for loan losses | 3,211,000 | 2,849,000 | 2,832,000 | 2,753,000 |
| Securities available for sale | 68,826,000 | 69,509,000 | 71,460,000 | 69,980,000 |
| Securities held to maturity | 200,000 | 200,000 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,198,000 | 206,275,000 | 215,629,000 | 213,757,000 |
| Interest-bearing deposits | 177,779,000 | 179,359,000 | 188,603,000 | 180,749,000 |
| Noninterest-bearing deposits | 25,419,000 | 26,916,000 | 27,026,000 | 33,008,000 |
| Equity capital | 34,716,000 | 34,103,000 | 35,039,000 | 35,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,741,000 | 7,519,000 | 11,513,000 | 15,744,000 |
| Interest expense | 1,519,000 | 3,103,000 | 4,741,000 | 6,415,000 |
| Net interest income | 2,222,000 | 4,416,000 | 6,772,000 | 9,329,000 |
| Noninterest income | 375,000 | 742,000 | 1,182,000 | 1,754,000 |
| Noninterest expense | 1,463,000 | 2,918,000 | 4,444,000 | 5,811,000 |
| Provision for loan losses | 0 | 0 | 0 | 300,000 |
| Pretax income | 1,131,000 | 2,237,000 | 3,507,000 | 4,969,000 |
| Income tax | 367,000 | 723,000 | 1,146,000 | 1,354,000 |
| Net income | 764,000 | 1,514,000 | 2,361,000 | 3,615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,786,000 | 34,911,000 | 35,133,000 | 35,762,000 |
| Total capital | 36,668,000 | 36,830,000 | 37,210,000 | 37,850,000 |
| Risk-weighted assets | 149,237,000 | 152,592,000 | 165,436,000 | 166,344,000 |