Call reports 2010
POINTWEST BANK — 2010
What POINTWEST BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 65,156,000 | 65,380,000 | 68,596,000 | 70,443,000 |
| Total loans | 20,988,000 | 22,048,000 | 22,012,000 | 23,496,000 |
| Allowance for loan losses | 206,000 | 213,000 | 209,000 | 238,000 |
| Securities available for sale | 19,100,000 | 25,303,000 | 23,287,000 | 27,402,000 |
| Securities held to maturity | 142,000 | 126,000 | 112,000 | 103,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,827,000 | 53,772,000 | 56,880,000 | 59,194,000 |
| Interest-bearing deposits | 42,064,000 | 42,016,000 | 43,913,000 | 44,962,000 |
| Noninterest-bearing deposits | 11,764,000 | 11,755,000 | 12,967,000 | 14,233,000 |
| Equity capital | 6,737,000 | 6,983,000 | 7,162,000 | 6,684,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 683,000 | 1,395,000 | 2,104,000 | 2,782,000 |
| Interest expense | 124,000 | 251,000 | 371,000 | 489,000 |
| Net interest income | 559,000 | 1,144,000 | 1,733,000 | 2,293,000 |
| Noninterest income | 178,000 | 353,000 | 537,000 | 751,000 |
| Noninterest expense | 565,000 | 1,208,000 | 1,796,000 | 2,571,000 |
| Provision for loan losses | 8,000 | 15,000 | 22,000 | 64,000 |
| Pretax income | 164,000 | 274,000 | 578,000 | 575,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 164,000 | 274,000 | 578,000 | 575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,216,000 | 6,278,000 | 6,520,000 | 6,418,000 |
| Total capital | 6,422,000 | 6,491,000 | 6,729,000 | 6,656,000 |
| Risk-weighted assets | 27,426,000 | 28,372,000 | 28,739,000 | 29,855,000 |