Call reports 2011
BANK OF PONTIAC — 2011
What BANK OF PONTIAC reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 366,060,000 | 367,919,000 | 391,588,000 | 390,583,000 |
| Total loans | 231,332,000 | 230,227,000 | 233,681,000 | 236,550,000 |
| Allowance for loan losses | 5,553,000 | 6,148,000 | 6,003,000 | 5,725,000 |
| Securities available for sale | 98,105,000 | 101,690,000 | 104,657,000 | 106,004,000 |
| Securities held to maturity | 398,000 | 398,000 | 1,128,000 | 1,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,050,000 | 308,649,000 | 330,820,000 | 329,377,000 |
| Interest-bearing deposits | 271,045,000 | 273,064,000 | 295,070,000 | 287,663,000 |
| Noninterest-bearing deposits | 37,005,000 | 35,585,000 | 35,750,000 | 41,714,000 |
| Equity capital | 44,602,000 | 45,877,000 | 47,331,000 | 47,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,277,000 | 8,563,000 | 12,824,000 | 17,182,000 |
| Interest expense | 926,000 | 1,794,000 | 2,596,000 | 3,353,000 |
| Net interest income | 3,351,000 | 6,769,000 | 10,228,000 | 13,829,000 |
| Noninterest income | 621,000 | 1,248,000 | 1,364,000 | 1,753,000 |
| Noninterest expense | 1,885,000 | 3,829,000 | 5,854,000 | 7,774,000 |
| Provision for loan losses | 600,000 | 1,450,000 | 2,050,000 | 2,850,000 |
| Pretax income | 1,499,000 | 2,883,000 | 3,897,000 | 5,205,000 |
| Income tax | 472,000 | 940,000 | 1,219,000 | 1,500,000 |
| Net income | 1,027,000 | 1,943,000 | 2,678,000 | 3,705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,170,000 | 45,086,000 | 45,820,000 | 46,847,000 |
| Total capital | 46,941,000 | 47,853,000 | 48,624,000 | 49,701,000 |
| Risk-weighted assets | 218,892,000 | 217,971,000 | 221,132,000 | 225,411,000 |