Call reports 2018
BANK OF PONTIAC — 2018
What BANK OF PONTIAC reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 540,002,000 | 535,570,000 | 558,561,000 | 547,164,000 |
| Total loans | 388,643,000 | 395,750,000 | 406,448,000 | 416,948,000 |
| Allowance for loan losses | 4,043,000 | 4,185,000 | 4,229,000 | 4,367,000 |
| Securities available for sale | 82,803,000 | 81,673,000 | 80,555,000 | 71,562,000 |
| Securities held to maturity | 6,170,000 | 6,007,000 | 7,522,000 | 5,411,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 463,066,000 | 458,761,000 | 480,424,000 | 469,750,000 |
| Interest-bearing deposits | 390,420,000 | 389,255,000 | 411,246,000 | 384,565,000 |
| Noninterest-bearing deposits | 72,646,000 | 69,506,000 | 69,178,000 | 85,185,000 |
| Equity capital | 65,346,000 | 66,926,000 | 68,046,000 | 68,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,126,000 | 10,494,000 | 16,037,000 | 21,791,000 |
| Interest expense | 525,000 | 1,148,000 | 1,901,000 | 2,730,000 |
| Net interest income | 4,601,000 | 9,346,000 | 14,136,000 | 19,061,000 |
| Noninterest income | 697,000 | 1,370,000 | 2,072,000 | 2,967,000 |
| Noninterest expense | 2,946,000 | 6,003,000 | 9,192,000 | 12,351,000 |
| Provision for loan losses | 225,000 | 495,000 | 765,000 | 990,000 |
| Pretax income | 2,127,000 | 4,222,000 | 6,282,000 | 8,636,000 |
| Income tax | 507,000 | 1,026,000 | 1,529,000 | 2,102,000 |
| Net income | 1,620,000 | 3,196,000 | 4,753,000 | 6,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,220,000 | 69,841,000 | 71,442,000 | 70,264,000 |
| Total capital | 72,263,000 | 74,026,000 | 75,671,000 | 74,631,000 |
| Risk-weighted assets | 364,084,000 | 371,063,000 | 383,209,000 | 390,134,000 |