Call reports 2015
BANK OF PONTIAC — 2015
What BANK OF PONTIAC reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 478,325,000 | 476,941,000 | 486,375,000 | 483,520,000 |
| Total loans | 323,883,000 | 328,093,000 | 330,114,000 | 340,575,000 |
| Allowance for loan losses | 4,202,000 | 4,054,000 | 4,079,000 | 3,856,000 |
| Securities available for sale | 108,468,000 | 104,444,000 | 99,061,000 | 100,223,000 |
| Securities held to maturity | 3,965,000 | 5,538,000 | 5,525,000 | 4,863,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 406,310,000 | 402,586,000 | 410,330,000 | 411,399,000 |
| Interest-bearing deposits | 350,115,000 | 348,968,000 | 358,763,000 | 344,913,000 |
| Noninterest-bearing deposits | 56,195,000 | 53,618,000 | 51,567,000 | 66,486,000 |
| Equity capital | 61,695,000 | 62,534,000 | 64,009,000 | 62,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,610,000 | 9,181,000 | 13,783,000 | 18,484,000 |
| Interest expense | 393,000 | 787,000 | 1,191,000 | 1,596,000 |
| Net interest income | 4,217,000 | 8,394,000 | 12,592,000 | 16,888,000 |
| Noninterest income | 872,000 | 1,534,000 | 2,260,000 | 3,175,000 |
| Noninterest expense | 2,656,000 | 5,377,000 | 8,093,000 | 10,847,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 1,375,000 |
| Pretax income | 2,277,000 | 4,170,000 | 6,217,000 | 8,054,000 |
| Income tax | 769,000 | 1,377,000 | 2,046,000 | 2,738,000 |
| Net income | 1,508,000 | 2,793,000 | 4,171,000 | 5,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,447,000 | 61,807,000 | 63,882,000 | 61,806,000 |
| Total capital | 64,197,000 | 65,608,000 | 67,701,000 | 65,662,000 |
| Risk-weighted assets | 300,140,000 | 303,793,000 | 305,293,000 | 314,375,000 |