Call reports 2021
BANK OF PONTIAC — 2021
What BANK OF PONTIAC reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 673,841,000 | 879,765,000 | 907,690,000 | 963,923,000 |
| Total loans | 434,879,000 | 572,307,000 | 554,437,000 | 560,158,000 |
| Allowance for loan losses | 6,158,000 | 6,283,000 | 6,415,000 | 6,535,000 |
| Securities available for sale | 76,659,000 | 116,876,000 | 116,174,000 | 122,822,000 |
| Securities held to maturity | 4,646,000 | 5,141,000 | 5,136,000 | 2,146,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 584,301,000 | 749,164,000 | 776,698,000 | 841,604,000 |
| Interest-bearing deposits | 446,730,000 | 596,505,000 | 617,540,000 | 477,345,000 |
| Noninterest-bearing deposits | 137,571,000 | 152,659,000 | 159,158,000 | 364,259,000 |
| Equity capital | 74,436,000 | 104,478,000 | 104,677,000 | 101,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,311,000 | 12,484,000 | 19,549,000 | 26,611,000 |
| Interest expense | 612,000 | 1,268,000 | 1,856,000 | 2,389,000 |
| Net interest income | 4,699,000 | 11,216,000 | 17,693,000 | 24,222,000 |
| Noninterest income | 1,392,000 | 3,013,000 | 5,335,000 | 7,343,000 |
| Noninterest expense | 3,372,000 | 7,747,000 | 12,800,000 | 17,614,000 |
| Provision for loan losses | 270,000 | 450,000 | 600,000 | 600,000 |
| Pretax income | 2,449,000 | 6,110,000 | 9,707,000 | 13,430,000 |
| Income tax | 625,000 | 1,435,000 | 2,420,000 | 3,466,000 |
| Net income | 1,824,000 | 4,675,000 | 7,287,000 | 9,964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,202,000 | 104,569,000 | 88,973,000 | 86,437,000 |
| Total capital | 80,451,000 | 110,852,000 | 95,388,000 | 92,972,000 |
| Risk-weighted assets | 419,043,000 | 526,221,000 | 572,248,000 | 581,814,000 |