Call reports 2025
BANK OF PONTIAC — 2025
What BANK OF PONTIAC reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,136,841,000 | 1,123,645,000 | 1,152,149,000 | 1,170,761,000 |
| Total loans | 791,743,000 | 813,635,000 | 836,563,000 | 844,948,000 |
| Allowance for loan losses | 9,208,000 | 9,212,000 | 9,113,000 | 9,353,000 |
| Securities available for sale | 155,299,000 | 153,918,000 | 158,786,000 | 161,977,000 |
| Securities held to maturity | 4,298,000 | 4,780,000 | 5,528,000 | 4,553,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 980,666,000 | 965,202,000 | 986,484,000 | 1,000,722,000 |
| Interest-bearing deposits | 599,676,000 | 597,116,000 | 581,376,000 | 805,400,000 |
| Noninterest-bearing deposits | 380,990,000 | 368,086,000 | 405,108,000 | 195,322,000 |
| Equity capital | 119,385,000 | 122,409,000 | 129,538,000 | 133,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 14,477,000 | 29,249,000 | 44,625,000 | 60,188,000 |
| Interest expense | 4,957,000 | 9,652,000 | 14,255,000 | 18,774,000 |
| Net interest income | 9,520,000 | 19,597,000 | 30,370,000 | 41,414,000 |
| Noninterest income | 1,157,000 | 2,133,000 | 3,254,000 | 4,633,000 |
| Noninterest expense | 5,725,000 | 11,399,000 | 17,041,000 | 22,942,000 |
| Provision for loan losses | 278,000 | 346,000 | 554,000 | 1,117,000 |
| Pretax income | 4,659,000 | 9,869,000 | 16,026,000 | 22,006,000 |
| Income tax | 1,195,000 | 2,563,000 | 4,205,000 | 5,725,000 |
| Net income | 3,464,000 | 7,306,000 | 11,821,000 | 16,281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,995,000 | 107,386,000 | 111,939,000 | 114,451,000 |
| Total capital | 113,621,000 | 117,117,000 | 121,459,000 | 124,190,000 |
| Risk-weighted assets | 799,937,000 | 823,136,000 | 847,644,000 | 844,723,000 |