Call reports 2019
BANK OF PONTIAC — 2019
What BANK OF PONTIAC reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 532,441,000 | 542,449,000 | 559,629,000 | 566,444,000 |
| Total loans | 416,243,000 | 417,873,000 | 422,797,000 | 425,624,000 |
| Allowance for loan losses | 4,335,000 | 4,622,000 | 4,595,000 | 4,631,000 |
| Securities available for sale | 66,648,000 | 68,442,000 | 67,316,000 | 65,060,000 |
| Securities held to maturity | 9,946,000 | 10,955,000 | 10,942,000 | 8,067,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 452,378,000 | 458,931,000 | 473,913,000 | 483,311,000 |
| Interest-bearing deposits | 377,007,000 | 383,500,000 | 402,967,000 | 392,175,000 |
| Noninterest-bearing deposits | 75,371,000 | 75,431,000 | 70,946,000 | 91,136,000 |
| Equity capital | 70,760,000 | 73,406,000 | 75,492,000 | 71,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,703,000 | 11,491,000 | 17,516,000 | 23,548,000 |
| Interest expense | 876,000 | 1,860,000 | 2,900,000 | 3,959,000 |
| Net interest income | 4,827,000 | 9,631,000 | 14,616,000 | 19,589,000 |
| Noninterest income | 765,000 | 1,378,000 | 2,179,000 | 3,065,000 |
| Noninterest expense | 2,910,000 | 5,996,000 | 9,243,000 | 12,424,000 |
| Provision for loan losses | 450,000 | 720,000 | 900,000 | 1,080,000 |
| Pretax income | 2,234,000 | 4,295,000 | 6,655,000 | 9,153,000 |
| Income tax | 573,000 | 1,091,000 | 1,696,000 | 2,322,000 |
| Net income | 1,661,000 | 3,204,000 | 4,959,000 | 6,831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,962,000 | 73,538,000 | 75,327,000 | 72,980,000 |
| Total capital | 76,297,000 | 78,160,000 | 79,922,000 | 77,610,000 |
| Risk-weighted assets | 388,754,000 | 392,579,000 | 400,564,000 | 404,786,000 |