Call reports 2005
NEW WEST BANK — 2005
What NEW WEST 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 | 57,851,000 | 57,972,000 | 60,710,000 | 68,477,000 |
| Total loans | 42,575,000 | 39,221,000 | 46,182,000 | 47,817,000 |
| Allowance for loan losses | 490,000 | 530,000 | 564,000 | 594,000 |
| Securities available for sale | 6,888,000 | 7,952,000 | 8,902,000 | 8,844,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,315,000 | 51,640,000 | 54,244,000 | 61,797,000 |
| Interest-bearing deposits | 47,858,000 | 46,532,000 | 47,795,000 | 55,665,000 |
| Noninterest-bearing deposits | 4,457,000 | 5,109,000 | 6,449,000 | 6,132,000 |
| Equity capital | 5,283,000 | 6,031,000 | 6,127,000 | 6,232,000 |
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 | 833,000 | 1,707,000 | 2,661,000 | 3,754,000 |
| Interest expense | 315,000 | 629,000 | 976,000 | 1,398,000 |
| Net interest income | 518,000 | 1,078,000 | 1,685,000 | 2,356,000 |
| Noninterest income | 30,000 | 50,000 | 75,000 | 102,000 |
| Noninterest expense | 379,000 | 800,000 | 1,259,000 | 1,750,000 |
| Provision for loan losses | 45,000 | 85,000 | 119,000 | 155,000 |
| Pretax income | 124,000 | 243,000 | 382,000 | 553,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 124,000 | 243,000 | 382,000 | 553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,395,000 | 6,064,000 | 6,202,000 | 6,373,000 |
| Total capital | 5,885,000 | 6,594,000 | 6,766,000 | 6,967,000 |
| Risk-weighted assets | 46,186,000 | 44,677,000 | 50,642,000 | 53,817,000 |