Call reports 2014
BANK OF PONTIAC — 2014
What BANK OF PONTIAC reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 477,150,000 | 483,380,000 | 483,371,000 | 489,937,000 |
| Total loans | 312,710,000 | 309,071,000 | 313,577,000 | 324,592,000 |
| Allowance for loan losses | 3,975,000 | 3,993,000 | 4,056,000 | 4,154,000 |
| Securities available for sale | 110,440,000 | 114,312,000 | 113,860,000 | 111,180,000 |
| Securities held to maturity | 4,265,000 | 4,484,000 | 4,479,000 | 3,968,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 408,572,000 | 413,062,000 | 412,487,000 | 419,920,000 |
| Interest-bearing deposits | 356,312,000 | 361,271,000 | 365,714,000 | 354,507,000 |
| Noninterest-bearing deposits | 52,260,000 | 51,791,000 | 46,773,000 | 65,413,000 |
| Equity capital | 59,821,000 | 61,767,000 | 62,724,000 | 59,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,551,000 | 9,054,000 | 13,584,000 | 18,239,000 |
| Interest expense | 416,000 | 830,000 | 1,254,000 | 1,664,000 |
| Net interest income | 4,135,000 | 8,224,000 | 12,330,000 | 16,575,000 |
| Noninterest income | 688,000 | 1,340,000 | 1,896,000 | 2,700,000 |
| Noninterest expense | 2,490,000 | 4,952,000 | 7,537,000 | 10,110,000 |
| Provision for loan losses | 150,000 | 300,000 | 725,000 | 1,480,000 |
| Pretax income | 2,256,000 | 4,409,000 | 6,244,000 | 8,076,000 |
| Income tax | 833,000 | 1,617,000 | 2,266,000 | 2,551,000 |
| Net income | 1,423,000 | 2,792,000 | 3,978,000 | 5,525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,276,000 | 60,645,000 | 61,830,000 | 58,862,000 |
| Total capital | 62,872,000 | 64,213,000 | 65,483,000 | 62,623,000 |
| Risk-weighted assets | 287,331,000 | 285,049,000 | 291,813,000 | 301,422,000 |