Call reports 2016
BANK OF PONTIAC — 2016
What BANK OF PONTIAC reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 486,385,000 | 498,532,000 | 511,421,000 | 510,449,000 |
| Total loans | 332,007,000 | 339,210,000 | 339,661,000 | 344,840,000 |
| Allowance for loan losses | 3,832,000 | 3,771,000 | 3,680,000 | 3,558,000 |
| Securities available for sale | 96,368,000 | 94,283,000 | 90,430,000 | 87,053,000 |
| Securities held to maturity | 5,851,000 | 5,839,000 | 7,878,000 | 7,047,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 413,342,000 | 423,278,000 | 434,633,000 | 437,322,000 |
| Interest-bearing deposits | 353,709,000 | 363,345,000 | 377,214,000 | 370,024,000 |
| Noninterest-bearing deposits | 59,633,000 | 59,933,000 | 57,419,000 | 67,298,000 |
| Equity capital | 63,170,000 | 65,093,000 | 66,412,000 | 62,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,654,000 | 9,283,000 | 13,968,000 | 18,615,000 |
| Interest expense | 422,000 | 850,000 | 1,287,000 | 1,731,000 |
| Net interest income | 4,232,000 | 8,433,000 | 12,681,000 | 16,884,000 |
| Noninterest income | 782,000 | 1,573,000 | 2,323,000 | 3,120,000 |
| Noninterest expense | 2,680,000 | 5,329,000 | 8,124,000 | 10,903,000 |
| Provision for loan losses | 1,420,000 | 1,420,000 | 1,465,000 | 1,645,000 |
| Pretax income | 1,016,000 | 3,483,000 | 5,680,000 | 7,732,000 |
| Income tax | 275,000 | 1,114,000 | 1,851,000 | 2,523,000 |
| Net income | 741,000 | 2,369,000 | 3,829,000 | 5,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,392,000 | 64,061,000 | 65,558,000 | 64,224,000 |
| Total capital | 66,224,000 | 67,832,000 | 69,238,000 | 67,782,000 |
| Risk-weighted assets | 310,876,000 | 318,266,000 | 320,255,000 | 322,898,000 |