Call reports 2009
POINTWEST BANK — 2009
What POINTWEST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 55,840,000 | 57,147,000 | 59,755,000 | 62,927,000 |
| Total loans | 17,568,000 | 18,569,000 | 19,360,000 | 20,282,000 |
| Allowance for loan losses | 179,000 | 173,000 | 185,000 | 212,000 |
| Securities available for sale | 15,094,000 | 15,354,000 | 15,257,000 | 19,620,000 |
| Securities held to maturity | 1,403,000 | 1,383,000 | 1,367,000 | 755,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,082,000 | 49,355,000 | 51,636,000 | 55,011,000 |
| Interest-bearing deposits | 37,343,000 | 38,446,000 | 40,385,000 | 42,773,000 |
| Noninterest-bearing deposits | 10,738,000 | 10,909,000 | 11,251,000 | 12,238,000 |
| Equity capital | 6,503,000 | 6,457,000 | 6,733,000 | 6,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 670,000 | 1,334,000 | 2,006,000 | 2,654,000 |
| Interest expense | 151,000 | 291,000 | 425,000 | 555,000 |
| Net interest income | 519,000 | 1,043,000 | 1,581,000 | 2,099,000 |
| Noninterest income | 146,000 | 311,000 | 477,000 | 654,000 |
| Noninterest expense | 504,000 | 1,080,000 | 1,677,000 | 2,434,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 161,000 | 274,000 | 462,000 | 360,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 161,000 | 274,000 | 462,000 | 360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,123,000 | 6,191,000 | 6,305,000 | 6,143,000 |
| Total capital | 6,302,000 | 6,364,000 | 6,490,000 | 6,355,000 |
| Risk-weighted assets | 23,550,000 | 24,316,000 | 25,095,000 | 26,494,000 |