Call reports 2005
CALWEST BANK — 2005
What CALWEST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 152,725,000 | 163,833,000 | 176,438,000 | 171,896,000 |
| Total loans | 81,583,000 | 77,626,000 | 74,186,000 | 76,757,000 |
| Allowance for loan losses | 1,026,000 | 1,079,000 | 1,054,000 | 1,061,000 |
| Securities available for sale | 747,000 | 745,000 | 5,745,000 | 5,304,000 |
| Securities held to maturity | 32,074,000 | 37,948,000 | 37,018,000 | 37,459,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,671,000 | 147,900,000 | 151,109,000 | 146,506,000 |
| Interest-bearing deposits | 63,110,000 | 82,133,000 | 83,209,000 | 83,741,000 |
| Noninterest-bearing deposits | 62,561,000 | 65,767,000 | 67,900,000 | 62,765,000 |
| Equity capital | 11,695,000 | 11,877,000 | 21,133,000 | 21,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,786,000 | 3,815,000 | 6,063,000 | 8,387,000 |
| Interest expense | 273,000 | 650,000 | 1,098,000 | 1,566,000 |
| Net interest income | 1,513,000 | 3,165,000 | 4,965,000 | 6,821,000 |
| Noninterest income | 381,000 | 733,000 | 956,000 | 1,452,000 |
| Noninterest expense | 1,527,000 | 3,123,000 | 4,629,000 | 6,441,000 |
| Provision for loan losses | 45,000 | 140,000 | 215,000 | 325,000 |
| Pretax income | 322,000 | 635,000 | 1,077,000 | 1,507,000 |
| Income tax | 131,000 | 262,000 | 443,000 | 620,000 |
| Net income | 191,000 | 373,000 | 634,000 | 887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,700,000 | 11,881,000 | 21,142,000 | 21,395,000 |
| Total capital | 12,830,000 | 13,064,000 | 22,300,000 | 22,537,000 |
| Risk-weighted assets | 94,749,000 | 99,021,000 | 98,392,000 | 100,072,000 |