Call reports 2026
BANK OF PONTIAC — 2026
What BANK OF PONTIAC reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 1,199,826,000 | 1,178,764,000 |
| Total loans | 819,393,000 | 839,247,000 |
| Allowance for loan losses | 9,466,000 | 9,532,000 |
| Securities available for sale | 159,889,000 | 158,151,000 |
| Securities held to maturity | 4,403,000 | 4,332,000 |
| Trading assets | 0 | 0 |
| Total deposits | 1,019,125,000 | 1,000,333,000 |
| Interest-bearing deposits | 844,320,000 | 843,845,000 |
| Noninterest-bearing deposits | 174,805,000 | 156,488,000 |
| Equity capital | 136,772,000 | 138,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 15,036,000 | 30,525,000 |
| Interest expense | 4,344,000 | 8,687,000 |
| Net interest income | 10,692,000 | 21,838,000 |
| Noninterest income | 1,271,000 | 2,284,000 |
| Noninterest expense | 6,019,000 | 12,414,000 |
| Provision for loan losses | 355,000 | 1,414,000 |
| Pretax income | 5,621,000 | 10,139,000 |
| Income tax | 1,399,000 | 2,572,000 |
| Net income | 4,222,000 | 7,567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 117,826,000 | 120,322,000 |
| Total capital | 127,645,000 | 130,261,000 |
| Risk-weighted assets | 821,895,000 | 830,040,000 |