Call reports 2009
BANK OF PONTIAC — 2009
What BANK OF PONTIAC reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 274,463,000 | 280,695,000 | 300,216,000 | 297,875,000 |
| Total loans | 188,825,000 | 192,872,000 | 194,286,000 | 191,634,000 |
| Allowance for loan losses | 3,064,000 | 3,141,000 | 3,539,000 | 3,665,000 |
| Securities available for sale | 68,196,000 | 65,375,000 | 66,706,000 | 73,547,000 |
| Securities held to maturity | 175,000 | 425,000 | 425,000 | 425,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,075,000 | 230,172,000 | 248,294,000 | 247,375,000 |
| Interest-bearing deposits | 192,324,000 | 200,136,000 | 219,308,000 | 214,069,000 |
| Noninterest-bearing deposits | 30,751,000 | 30,036,000 | 28,986,000 | 33,306,000 |
| Equity capital | 37,375,000 | 37,270,000 | 37,761,000 | 38,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,824,000 | 7,621,000 | 11,361,000 | 15,100,000 |
| Interest expense | 1,187,000 | 2,323,000 | 3,458,000 | 4,516,000 |
| Net interest income | 2,637,000 | 5,298,000 | 7,903,000 | 10,584,000 |
| Noninterest income | 773,000 | 1,423,000 | 2,221,000 | 2,974,000 |
| Noninterest expense | 1,855,000 | 3,671,000 | 5,429,000 | 6,945,000 |
| Provision for loan losses | 150,000 | 400,000 | 1,325,000 | 1,875,000 |
| Pretax income | 1,406,000 | 2,651,000 | 3,371,000 | 4,739,000 |
| Income tax | 505,000 | 908,000 | 1,135,000 | 1,418,000 |
| Net income | 901,000 | 1,743,000 | 2,236,000 | 3,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,154,000 | 37,370,000 | 37,237,000 | 37,698,000 |
| Total capital | 39,391,000 | 39,620,000 | 39,583,000 | 40,040,000 |
| Risk-weighted assets | 178,110,000 | 179,103,000 | 186,486,000 | 186,081,000 |