Call reports 2020
BANK OF PONTIAC — 2020
What BANK OF PONTIAC reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 555,354,000 | 595,673,000 | 620,601,000 | 624,835,000 |
| Total loans | 427,257,000 | 444,376,000 | 450,286,000 | 437,876,000 |
| Allowance for loan losses | 4,750,000 | 5,151,000 | 5,334,000 | 5,959,000 |
| Securities available for sale | 63,235,000 | 67,918,000 | 67,976,000 | 74,907,000 |
| Securities held to maturity | 8,058,000 | 8,050,000 | 8,042,000 | 4,651,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 470,741,000 | 501,960,000 | 525,525,000 | 536,559,000 |
| Interest-bearing deposits | 389,208,000 | 404,657,000 | 433,071,000 | 421,116,000 |
| Noninterest-bearing deposits | 81,533,000 | 97,303,000 | 92,454,000 | 115,443,000 |
| Equity capital | 72,657,000 | 77,091,000 | 79,346,000 | 73,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,922,000 | 11,633,000 | 17,273,000 | 22,873,000 |
| Interest expense | 1,013,000 | 1,853,000 | 2,548,000 | 3,198,000 |
| Net interest income | 4,909,000 | 9,780,000 | 14,725,000 | 19,675,000 |
| Noninterest income | 813,000 | 2,495,000 | 4,188,000 | 6,446,000 |
| Noninterest expense | 3,136,000 | 6,209,000 | 9,395,000 | 13,228,000 |
| Provision for loan losses | 225,000 | 725,000 | 1,300,000 | 1,950,000 |
| Pretax income | 2,519,000 | 5,499,000 | 8,376,000 | 11,101,000 |
| Income tax | 660,000 | 1,444,000 | 2,179,000 | 2,821,000 |
| Net income | 1,859,000 | 4,055,000 | 6,197,000 | 8,280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,867,000 | 77,090,000 | 79,256,000 | 73,359,000 |
| Total capital | 79,617,000 | 81,931,000 | 84,191,000 | 78,438,000 |
| Risk-weighted assets | 405,316,000 | 386,991,000 | 394,394,000 | 405,502,000 |