Call reports 2008
POINTWEST BANK — 2008
What POINTWEST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 48,866,000 | 50,356,000 | 54,103,000 | 55,635,000 |
| Total loans | 13,708,000 | 14,316,000 | 15,359,000 | 16,005,000 |
| Allowance for loan losses | 151,000 | 147,000 | 141,000 | 188,000 |
| Securities available for sale | 14,365,000 | 13,246,000 | 14,602,000 | 15,561,000 |
| Securities held to maturity | 2,075,000 | 1,945,000 | 1,932,000 | 1,916,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,440,000 | 42,999,000 | 46,611,000 | 48,075,000 |
| Interest-bearing deposits | 31,346,000 | 32,695,000 | 36,122,000 | 36,105,000 |
| Noninterest-bearing deposits | 10,094,000 | 10,304,000 | 10,489,000 | 11,970,000 |
| Equity capital | 6,280,000 | 6,058,000 | 6,240,000 | 6,335,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 670,000 | 1,334,000 | 1,998,000 | 2,671,000 |
| Interest expense | 194,000 | 369,000 | 534,000 | 704,000 |
| Net interest income | 476,000 | 965,000 | 1,464,000 | 1,967,000 |
| Noninterest income | 127,000 | 270,000 | 425,000 | 577,000 |
| Noninterest expense | 409,000 | 880,000 | 1,444,000 | 2,131,000 |
| Provision for loan losses | 0 | 0 | 0 | 53,000 |
| Pretax income | 194,000 | 355,000 | 445,000 | 360,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 194,000 | 355,000 | 445,000 | 360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,947,000 | 6,048,000 | 6,077,000 | 5,993,000 |
| Total capital | 6,098,000 | 6,195,000 | 6,218,000 | 6,181,000 |
| Risk-weighted assets | 19,828,000 | 20,956,000 | 21,998,000 | 22,720,000 |