Call reports 2023
BANK OF PONTIAC — 2023
What BANK OF PONTIAC reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 942,112,000 | 962,430,000 | 975,839,000 | 1,014,387,000 |
| Total loans | 679,402,000 | 710,815,000 | 724,637,000 | 758,102,000 |
| Allowance for loan losses | 7,666,000 | 7,578,000 | 7,945,000 | 8,605,000 |
| Securities available for sale | 166,837,000 | 163,463,000 | 156,852,000 | 162,249,000 |
| Securities held to maturity | 6,066,000 | 6,041,000 | 6,036,000 | 4,989,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 797,612,000 | 800,039,000 | 800,685,000 | 812,758,000 |
| Interest-bearing deposits | 461,899,000 | 482,985,000 | 480,121,000 | 479,282,000 |
| Noninterest-bearing deposits | 335,713,000 | 317,054,000 | 320,564,000 | 333,476,000 |
| Equity capital | 91,905,000 | 94,878,000 | 95,254,000 | 102,515,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 9,979,000 | 20,280,000 | 31,658,000 | 43,460,000 |
| Interest expense | 1,378,000 | 3,415,000 | 6,374,000 | 10,031,000 |
| Net interest income | 8,601,000 | 16,865,000 | 25,284,000 | 33,429,000 |
| Noninterest income | 1,147,000 | 2,214,000 | 3,154,000 | 4,347,000 |
| Noninterest expense | 4,981,000 | 9,885,000 | 14,630,000 | 19,910,000 |
| Provision for loan losses | 0 | -29,000 | 403,000 | 1,144,000 |
| Pretax income | 4,737,000 | 9,315,000 | 13,482,000 | 16,893,000 |
| Income tax | 1,229,000 | 2,395,000 | 3,415,000 | 4,438,000 |
| Net income | 3,508,000 | 6,920,000 | 10,067,000 | 12,455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,295,000 | 93,780,000 | 97,001,000 | 99,464,000 |
| Total capital | 98,472,000 | 101,747,000 | 105,350,000 | 108,466,000 |
| Risk-weighted assets | 692,611,000 | 727,451,000 | 748,075,000 | 771,583,000 |