Call reports 2004
CALWEST BANK — 2004
What CALWEST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 115,437,000 | 124,931,000 | 131,714,000 | 136,955,000 |
| Total loans | 74,465,000 | 75,404,000 | 82,767,000 | 80,678,000 |
| Allowance for loan losses | 883,000 | 916,000 | 990,000 | 1,000,000 |
| Securities available for sale | 355,000 | 846,000 | 844,000 | 756,000 |
| Securities held to maturity | 9,361,000 | 19,429,000 | 17,800,000 | 25,132,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,949,000 | 107,463,000 | 115,350,000 | 120,206,000 |
| Interest-bearing deposits | 57,622,000 | 53,767,000 | 65,210,000 | 66,268,000 |
| Noninterest-bearing deposits | 46,328,000 | 53,696,000 | 50,140,000 | 53,938,000 |
| Equity capital | 10,745,000 | 11,070,000 | 11,264,000 | 11,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,376,000 | 2,828,000 | 4,513,000 | 6,291,000 |
| Interest expense | 171,000 | 346,000 | 562,000 | 808,000 |
| Net interest income | 1,205,000 | 2,482,000 | 3,951,000 | 5,483,000 |
| Noninterest income | 337,000 | 819,000 | 1,148,000 | 1,596,000 |
| Noninterest expense | 1,375,000 | 2,745,000 | 4,141,000 | 5,557,000 |
| Provision for loan losses | 50,000 | 110,000 | 190,000 | 330,000 |
| Pretax income | 117,000 | 446,000 | 768,000 | 1,192,000 |
| Income tax | 0 | 0 | 131,000 | 325,000 |
| Net income | 117,000 | 446,000 | 637,000 | 867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,746,000 | 11,074,000 | 11,265,000 | 11,495,000 |
| Total capital | 11,756,000 | 12,117,000 | 12,359,000 | 12,599,000 |
| Risk-weighted assets | 87,126,000 | 90,011,000 | 95,908,000 | 96,035,000 |