Call reports 2022
BANK OF PONTIAC — 2022
What BANK OF PONTIAC reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 950,139,000 | 924,553,000 | 937,356,000 | 987,787,000 |
| Total loans | 542,703,000 | 576,266,000 | 622,217,000 | 671,072,000 |
| Allowance for loan losses | 6,605,000 | 6,871,000 | 7,265,000 | 7,703,000 |
| Securities available for sale | 165,638,000 | 206,297,000 | 226,398,000 | 208,904,000 |
| Securities held to maturity | 3,467,000 | 7,254,000 | 7,248,000 | 6,071,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 830,648,000 | 820,603,000 | 808,338,000 | 835,781,000 |
| Interest-bearing deposits | 494,356,000 | 491,292,000 | 473,317,000 | 469,813,000 |
| Noninterest-bearing deposits | 336,292,000 | 329,311,000 | 335,021,000 | 365,968,000 |
| Equity capital | 98,022,000 | 89,686,000 | 87,695,000 | 88,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 6,757,000 | 14,115,000 | 22,681,000 | 31,832,000 |
| Interest expense | 481,000 | 933,000 | 1,386,000 | 2,398,000 |
| Net interest income | 6,276,000 | 13,182,000 | 21,295,000 | 29,434,000 |
| Noninterest income | 1,131,000 | 2,124,000 | 3,129,000 | 4,576,000 |
| Noninterest expense | 4,398,000 | 9,188,000 | 13,927,000 | 19,289,000 |
| Provision for loan losses | 0 | 300,000 | 700,000 | 1,400,000 |
| Pretax income | 3,009,000 | 5,818,000 | 9,797,000 | 13,002,000 |
| Income tax | 759,000 | 1,341,000 | 2,408,000 | 3,195,000 |
| Net income | 2,250,000 | 4,477,000 | 7,389,000 | 9,807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,770,000 | 89,077,000 | 89,817,000 | 87,062,000 |
| Total capital | 95,375,000 | 95,948,000 | 97,082,000 | 94,765,000 |
| Risk-weighted assets | 573,608,000 | 604,639,000 | 643,886,000 | 688,737,000 |