Call reports 2003
POINTWEST BANK — 2003
What POINTWEST 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 | 52,448,000 | 53,290,000 | 54,280,000 | 53,765,000 |
| Total loans | 6,478,000 | 6,666,000 | 6,478,000 | 6,979,000 |
| Allowance for loan losses | 205,000 | 205,000 | 193,000 | 208,000 |
| Securities available for sale | 5,136,000 | 3,910,000 | 3,557,000 | 7,439,000 |
| Securities held to maturity | 3,190,000 | 3,124,000 | 1,573,000 | 1,527,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,286,000 | 45,120,000 | 46,030,000 | 45,712,000 |
| Interest-bearing deposits | 36,585,000 | 36,808,000 | 37,267,000 | 36,612,000 |
| Noninterest-bearing deposits | 7,701,000 | 8,312,000 | 8,763,000 | 9,101,000 |
| Equity capital | 7,409,000 | 7,476,000 | 7,520,000 | 7,423,000 |
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 | 582,000 | 1,113,000 | 1,618,000 | 2,130,000 |
| Interest expense | 149,000 | 267,000 | 372,000 | 458,000 |
| Net interest income | 433,000 | 846,000 | 1,246,000 | 1,672,000 |
| Noninterest income | 116,000 | 239,000 | 371,000 | 498,000 |
| Noninterest expense | 359,000 | 699,000 | 1,068,000 | 1,523,000 |
| Provision for loan losses | 0 | 0 | 0 | 9,000 |
| Pretax income | 190,000 | 386,000 | 549,000 | 638,000 |
| Income tax | 60,000 | 120,000 | 152,000 | 216,000 |
| Net income | 130,000 | 266,000 | 397,000 | 422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,345,000 | 7,421,000 | 7,492,000 | 7,397,000 |
| Total capital | 7,540,000 | 7,622,000 | 7,684,000 | 7,599,000 |
| Risk-weighted assets | 15,624,000 | 16,096,000 | 15,355,000 | 15,934,000 |