Call reports 2010
BANK OF PONTIAC — 2010
What BANK OF PONTIAC reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 290,782,000 | 296,467,000 | 366,047,000 | 364,960,000 |
| Total loans | 192,125,000 | 197,632,000 | 223,033,000 | 233,185,000 |
| Allowance for loan losses | 3,128,000 | 3,238,000 | 6,001,000 | 5,206,000 |
| Securities available for sale | 74,546,000 | 72,375,000 | 96,140,000 | 92,868,000 |
| Securities held to maturity | 412,000 | 412,000 | 412,000 | 412,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,783,000 | 245,588,000 | 310,420,000 | 308,995,000 |
| Interest-bearing deposits | 209,274,000 | 214,410,000 | 274,899,000 | 268,079,000 |
| Noninterest-bearing deposits | 30,509,000 | 31,178,000 | 35,521,000 | 40,916,000 |
| Equity capital | 38,539,000 | 38,933,000 | 42,909,000 | 43,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,762,000 | 7,573,000 | 13,234,000 | 17,649,000 |
| Interest expense | 953,000 | 1,843,000 | 3,330,000 | 4,325,000 |
| Net interest income | 2,809,000 | 5,730,000 | 9,904,000 | 13,324,000 |
| Noninterest income | 746,000 | 1,376,000 | 2,155,000 | 3,129,000 |
| Noninterest expense | 1,645,000 | 3,351,000 | 6,292,000 | 8,174,000 |
| Provision for loan losses | 610,000 | 935,000 | 5,397,000 | 5,847,000 |
| Pretax income | 1,351,000 | 2,871,000 | 446,000 | 2,815,000 |
| Income tax | 460,000 | 992,000 | -244,000 | 586,000 |
| Net income | 891,000 | 1,879,000 | 690,000 | 2,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,963,000 | 38,327,000 | 41,604,000 | 43,143,000 |
| Total capital | 40,286,000 | 40,718,000 | 44,392,000 | 45,986,000 |
| Risk-weighted assets | 185,061,000 | 190,448,000 | 219,835,000 | 225,059,000 |