Call reports 2013
BANK OF PONTIAC — 2013
What BANK OF PONTIAC reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 482,546,000 | 471,527,000 | 474,983,000 | 488,815,000 |
| Total loans | 277,212,000 | 288,876,000 | 302,384,000 | 315,332,000 |
| Allowance for loan losses | 4,033,000 | 3,987,000 | 3,832,000 | 3,963,000 |
| Securities available for sale | 126,225,000 | 122,351,000 | 117,508,000 | 112,593,000 |
| Securities held to maturity | 2,750,000 | 2,743,000 | 4,931,000 | 4,286,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 411,528,000 | 401,250,000 | 404,157,000 | 421,606,000 |
| Interest-bearing deposits | 360,968,000 | 273,869,000 | 362,933,000 | 346,682,000 |
| Noninterest-bearing deposits | 50,559,000 | 127,381,000 | 41,224,000 | 74,924,000 |
| Equity capital | 58,466,000 | 58,340,000 | 59,240,000 | 58,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,323,000 | 8,587,000 | 13,017,000 | 17,624,000 |
| Interest expense | 452,000 | 899,000 | 1,346,000 | 1,776,000 |
| Net interest income | 3,871,000 | 7,688,000 | 11,671,000 | 15,848,000 |
| Noninterest income | 895,000 | 1,436,000 | 2,062,000 | 2,688,000 |
| Noninterest expense | 2,772,000 | 4,924,000 | 7,157,000 | 9,653,000 |
| Provision for loan losses | 260,000 | 360,000 | 450,000 | 885,000 |
| Pretax income | 1,839,000 | 3,945,000 | 6,278,000 | 8,156,000 |
| Income tax | 553,000 | 1,319,000 | 2,179,000 | 2,607,000 |
| Net income | 1,286,000 | 2,626,000 | 4,099,000 | 5,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,839,000 | 58,179,000 | 59,652,000 | 57,852,000 |
| Total capital | 60,183,000 | 61,602,000 | 63,192,000 | 61,501,000 |
| Risk-weighted assets | 266,860,000 | 273,315,000 | 282,954,000 | 291,614,000 |