Call reports 2002
POINTWEST BANK — 2002
What POINTWEST BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 51,406,000 | 51,418,000 | 52,508,000 | 53,030,000 |
| Total loans | 5,897,000 | 6,183,000 | 5,847,000 | 6,127,000 |
| Allowance for loan losses | 197,000 | 196,000 | 194,000 | 210,000 |
| Securities available for sale | 9,975,000 | 8,997,000 | 7,514,000 | 6,285,000 |
| Securities held to maturity | 7,741,000 | 6,126,000 | 5,961,000 | 5,849,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,875,000 | 43,079,000 | 44,165,000 | 44,815,000 |
| Interest-bearing deposits | 36,479,000 | 35,791,000 | 36,461,000 | 37,081,000 |
| Noninterest-bearing deposits | 7,396,000 | 7,288,000 | 7,704,000 | 7,734,000 |
| Equity capital | 7,223,000 | 7,400,000 | 7,476,000 | 7,350,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 686,000 | 1,325,000 | 1,950,000 | 2,550,000 |
| Interest expense | 213,000 | 401,000 | 582,000 | 747,000 |
| Net interest income | 473,000 | 924,000 | 1,368,000 | 1,803,000 |
| Noninterest income | 89,000 | 190,000 | 298,000 | 415,000 |
| Noninterest expense | 354,000 | 682,000 | 1,060,000 | 1,516,000 |
| Provision for loan losses | 0 | 0 | 0 | 18,000 |
| Pretax income | 208,000 | 432,000 | 627,000 | 748,000 |
| Income tax | 60,000 | 110,000 | 177,000 | 255,000 |
| Net income | 148,000 | 322,000 | 450,000 | 493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,168,000 | 7,282,000 | 7,350,000 | 7,273,000 |
| Total capital | 7,359,000 | 7,474,000 | 7,539,000 | 7,469,000 |
| Risk-weighted assets | 15,238,000 | 15,335,000 | 15,135,000 | 15,637,000 |