Call reports 2007
POINTWEST BANK — 2007
What POINTWEST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 48,821,000 | 48,293,000 | 49,683,000 | 50,841,000 |
| Total loans | 10,287,000 | 10,861,000 | 11,207,000 | 12,988,000 |
| Allowance for loan losses | 178,000 | 165,000 | 155,000 | 153,000 |
| Securities available for sale | 15,206,000 | 14,311,000 | 15,779,000 | 15,212,000 |
| Securities held to maturity | 2,258,000 | 2,128,000 | 2,107,000 | 2,091,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,886,000 | 41,487,000 | 42,513,000 | 42,211,000 |
| Interest-bearing deposits | 30,933,000 | 30,786,000 | 31,808,000 | 31,311,000 |
| Noninterest-bearing deposits | 10,953,000 | 10,701,000 | 10,706,000 | 10,901,000 |
| Equity capital | 5,607,000 | 5,584,000 | 5,926,000 | 5,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 612,000 | 1,239,000 | 1,894,000 | 2,564,000 |
| Interest expense | 155,000 | 325,000 | 509,000 | 708,000 |
| Net interest income | 457,000 | 914,000 | 1,385,000 | 1,856,000 |
| Noninterest income | 122,000 | 252,000 | 379,000 | 522,000 |
| Noninterest expense | 360,000 | 761,000 | 1,186,000 | 1,694,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 219,000 | 405,000 | 578,000 | 684,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 219,000 | 405,000 | 578,000 | 684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,722,000 | 5,848,000 | 5,901,000 | 5,843,000 |
| Total capital | 5,900,000 | 6,013,000 | 6,056,000 | 5,996,000 |
| Risk-weighted assets | 16,622,000 | 17,127,000 | 17,363,000 | 18,821,000 |