Call reports 2017
BANK OF PONTIAC — 2017
What BANK OF PONTIAC reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 516,513,000 | 511,920,000 | 521,253,000 | 514,538,000 |
| Total loans | 355,908,000 | 364,168,000 | 359,430,000 | 371,605,000 |
| Allowance for loan losses | 3,594,000 | 3,710,000 | 3,833,000 | 3,896,000 |
| Securities available for sale | 88,340,000 | 87,984,000 | 91,994,000 | 86,391,000 |
| Securities held to maturity | 7,034,000 | 6,591,000 | 7,798,000 | 6,179,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 441,476,000 | 434,438,000 | 442,231,000 | 438,626,000 |
| Interest-bearing deposits | 375,257,000 | 371,075,000 | 378,986,000 | 355,534,000 |
| Noninterest-bearing deposits | 66,219,000 | 63,363,000 | 63,245,000 | 83,092,000 |
| Equity capital | 64,502,000 | 66,721,000 | 68,082,000 | 64,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,778,000 | 9,674,000 | 14,615,000 | 19,649,000 |
| Interest expense | 436,000 | 875,000 | 1,317,000 | 1,759,000 |
| Net interest income | 4,342,000 | 8,799,000 | 13,298,000 | 17,890,000 |
| Noninterest income | 696,000 | 1,338,000 | 2,359,000 | 3,167,000 |
| Noninterest expense | 2,779,000 | 5,564,000 | 8,395,000 | 11,312,000 |
| Provision for loan losses | 270,000 | 465,000 | 840,000 | 1,055,000 |
| Pretax income | 1,992,000 | 4,251,000 | 6,649,000 | 8,884,000 |
| Income tax | 664,000 | 1,423,000 | 2,318,000 | 3,785,000 |
| Net income | 1,328,000 | 2,828,000 | 4,331,000 | 5,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,456,000 | 66,999,000 | 68,545,000 | 66,651,000 |
| Total capital | 69,050,000 | 70,709,000 | 72,378,000 | 70,547,000 |
| Risk-weighted assets | 333,473,000 | 339,866,000 | 336,760,000 | 347,147,000 |