Call reports 2004
POINTWEST BANK — 2004
What POINTWEST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 52,234,000 | 52,739,000 | 53,533,000 | 51,892,000 |
| Total loans | 7,561,000 | 7,556,000 | 7,362,000 | 7,699,000 |
| Allowance for loan losses | 210,000 | 212,000 | 210,000 | 224,000 |
| Securities available for sale | 7,338,000 | 6,114,000 | 6,121,000 | 5,030,000 |
| Securities held to maturity | 236,000 | 235,000 | 234,000 | 233,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,987,000 | 44,510,000 | 45,082,000 | 43,775,000 |
| Interest-bearing deposits | 35,997,000 | 36,433,000 | 35,818,000 | 34,047,000 |
| Noninterest-bearing deposits | 7,990,000 | 8,077,000 | 9,264,000 | 9,728,000 |
| Equity capital | 7,525,000 | 7,560,000 | 7,697,000 | 7,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 508,000 | 995,000 | 1,486,000 | 1,941,000 |
| Interest expense | 78,000 | 152,000 | 224,000 | 292,000 |
| Net interest income | 430,000 | 843,000 | 1,262,000 | 1,649,000 |
| Noninterest income | 154,000 | 285,000 | 421,000 | 537,000 |
| Noninterest expense | 360,000 | 687,000 | 1,034,000 | 1,474,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 224,000 | 441,000 | 649,000 | 687,000 |
| Income tax | 60,000 | 120,000 | 181,000 | 238,000 |
| Net income | 164,000 | 321,000 | 468,000 | 449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,501,000 | 7,598,000 | 7,685,000 | 7,547,000 |
| Total capital | 7,701,000 | 7,799,000 | 7,885,000 | 7,754,000 |
| Risk-weighted assets | 15,993,000 | 16,086,000 | 15,954,000 | 15,794,000 |