Call reports 2003
CAPITAL WEST BANK — 2003
What CAPITAL WEST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 130,564,000 | 136,865,000 | 139,010,000 | 143,647,000 |
| Total loans | 81,537,000 | 93,070,000 | 94,891,000 | 101,387,000 |
| Allowance for loan losses | 668,000 | 699,000 | 778,000 | 752,000 |
| Securities available for sale | 30,925,000 | 25,433,000 | 26,045,000 | 26,417,000 |
| Securities held to maturity | 1,839,000 | 1,667,000 | 1,441,000 | 1,441,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,699,000 | 125,580,000 | 127,527,000 | 132,125,000 |
| Interest-bearing deposits | 102,239,000 | 107,193,000 | 106,983,000 | 112,935,000 |
| Noninterest-bearing deposits | 18,460,000 | 18,387,000 | 20,544,000 | 19,190,000 |
| Equity capital | 9,516,000 | 9,898,000 | 9,910,000 | 10,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,918,000 | 4,016,000 | 6,125,000 | 8,229,000 |
| Interest expense | 565,000 | 1,120,000 | 1,672,000 | 2,212,000 |
| Net interest income | 1,353,000 | 2,896,000 | 4,453,000 | 6,017,000 |
| Noninterest income | 138,000 | 274,000 | 788,000 | 933,000 |
| Noninterest expense | 1,037,000 | 2,083,000 | 3,130,000 | 4,135,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 454,000 | 1,037,000 | 2,035,000 | 2,696,000 |
| Income tax | 0 | 10,000 | 131,000 | 131,000 |
| Net income | 454,000 | 1,027,000 | 1,904,000 | 2,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,909,000 | 9,133,000 | 9,634,000 | 9,848,000 |
| Total capital | 9,577,000 | 9,832,000 | 10,412,000 | 10,600,000 |
| Risk-weighted assets | 88,603,000 | 96,585,000 | 98,765,000 | 104,311,000 |