Call reports 2006
POINTWEST BANK — 2006
What POINTWEST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 49,604,000 | 49,267,000 | 48,996,000 | 48,766,000 |
| Total loans | 9,287,000 | 9,421,000 | 9,412,000 | 10,064,000 |
| Allowance for loan losses | 189,000 | 178,000 | 179,000 | 175,000 |
| Securities available for sale | 9,144,000 | 9,498,000 | 10,997,000 | 14,308,000 |
| Securities held to maturity | 2,341,000 | 2,318,000 | 2,296,000 | 2,277,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,190,000 | 42,638,000 | 42,113,000 | 42,042,000 |
| Interest-bearing deposits | 31,599,000 | 31,402,000 | 31,765,000 | 30,734,000 |
| Noninterest-bearing deposits | 10,591,000 | 11,236,000 | 10,349,000 | 11,309,000 |
| Equity capital | 5,503,000 | 5,478,000 | 5,634,000 | 5,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 524,000 | 1,074,000 | 1,649,000 | 2,260,000 |
| Interest expense | 115,000 | 237,000 | 378,000 | 530,000 |
| Net interest income | 409,000 | 837,000 | 1,271,000 | 1,730,000 |
| Noninterest income | 142,000 | 277,000 | 411,000 | 561,000 |
| Noninterest expense | 336,000 | 722,000 | 1,081,000 | 1,596,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 215,000 | 392,000 | 601,000 | 695,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 215,000 | 392,000 | 601,000 | 695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,623,000 | 5,690,000 | 5,779,000 | 5,683,000 |
| Total capital | 5,812,000 | 5,868,000 | 5,958,000 | 5,858,000 |
| Risk-weighted assets | 16,110,000 | 16,274,000 | 16,032,000 | 17,197,000 |