Call reports 2005
POINTWEST BANK — 2005
What POINTWEST 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 | 50,875,000 | 50,471,000 | 51,258,000 | 50,730,000 |
| Total loans | 7,742,000 | 8,058,000 | 8,336,000 | 8,976,000 |
| Allowance for loan losses | 217,000 | 191,000 | 187,000 | 206,000 |
| Securities available for sale | 4,934,000 | 5,134,000 | 5,037,000 | 6,835,000 |
| Securities held to maturity | 2,418,000 | 2,402,000 | 2,376,000 | 2,356,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,636,000 | 42,169,000 | 42,734,000 | 44,200,000 |
| Interest-bearing deposits | 33,019,000 | 32,499,000 | 32,698,000 | 31,974,000 |
| Noninterest-bearing deposits | 9,618,000 | 9,671,000 | 10,036,000 | 12,225,000 |
| Equity capital | 7,568,000 | 7,650,000 | 7,682,000 | 5,442,000 |
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 | 467,000 | 935,000 | 1,417,000 | 1,933,000 |
| Interest expense | 72,000 | 154,000 | 253,000 | 360,000 |
| Net interest income | 395,000 | 781,000 | 1,164,000 | 1,573,000 |
| Noninterest income | 130,000 | 238,000 | 365,000 | 487,000 |
| Noninterest expense | 334,000 | 657,000 | 1,024,000 | 1,530,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 191,000 | 362,000 | 505,000 | 530,000 |
| Income tax | 60,000 | 95,000 | 140,000 | 266,000 |
| Net income | 131,000 | 267,000 | 365,000 | 264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,619,000 | 7,696,000 | 7,734,000 | 5,511,000 |
| Total capital | 7,825,000 | 7,887,000 | 7,921,000 | 5,717,000 |
| Risk-weighted assets | 15,732,000 | 16,107,000 | 16,345,000 | 15,750,000 |