Call reports 2012
BANK OF PONTIAC — 2012
What BANK OF PONTIAC reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 371,972,000 | 370,438,000 | 384,724,000 | 380,366,000 |
| Total loans | 237,190,000 | 232,060,000 | 233,084,000 | 244,386,000 |
| Allowance for loan losses | 5,527,000 | 4,786,000 | 4,114,000 | 4,203,000 |
| Securities available for sale | 100,939,000 | 96,912,000 | 95,564,000 | 95,349,000 |
| Securities held to maturity | 1,608,000 | 3,231,000 | 3,224,000 | 2,647,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,214,000 | 308,555,000 | 320,105,000 | 320,179,000 |
| Interest-bearing deposits | 271,557,000 | 269,780,000 | 278,729,000 | 266,906,000 |
| Noninterest-bearing deposits | 38,657,000 | 38,775,000 | 41,376,000 | 53,273,000 |
| Equity capital | 48,761,000 | 50,069,000 | 51,793,000 | 48,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,172,000 | 8,201,000 | 12,200,000 | 16,138,000 |
| Interest expense | 647,000 | 1,233,000 | 1,736,000 | 2,178,000 |
| Net interest income | 3,525,000 | 6,968,000 | 10,464,000 | 13,960,000 |
| Noninterest income | 113,000 | 214,000 | 1,015,000 | 1,853,000 |
| Noninterest expense | 2,023,000 | 4,072,000 | 6,137,000 | 8,181,000 |
| Provision for loan losses | 0 | 0 | 0 | 560,000 |
| Pretax income | 1,707,000 | 3,203,000 | 5,435,000 | 7,165,000 |
| Income tax | 583,000 | 1,077,000 | 1,894,000 | 2,212,000 |
| Net income | 1,124,000 | 2,126,000 | 3,541,000 | 4,953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,970,000 | 48,974,000 | 50,388,000 | 47,351,000 |
| Total capital | 50,803,000 | 51,742,000 | 53,147,000 | 50,210,000 |
| Risk-weighted assets | 223,940,000 | 219,392,000 | 219,385,000 | 227,407,000 |