Call reports 2012
POINTWEST BANK — 2012
What POINTWEST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 80,390,000 | 80,192,000 | 86,431,000 | 83,998,000 |
| Total loans | 26,393,000 | 27,616,000 | 26,940,000 | 27,487,000 |
| Allowance for loan losses | 232,000 | 279,000 | 276,000 | 291,000 |
| Securities available for sale | 33,499,000 | 32,841,000 | 31,367,000 | 31,850,000 |
| Securities held to maturity | 0 | 0 | 0 | 2,692,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,358,000 | 66,705,000 | 72,490,000 | 70,711,000 |
| Interest-bearing deposits | 49,234,000 | 48,631,000 | 54,399,000 | 51,993,000 |
| Noninterest-bearing deposits | 18,124,000 | 18,074,000 | 18,091,000 | 18,718,000 |
| Equity capital | 7,590,000 | 7,942,000 | 8,210,000 | 7,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 743,000 | 1,487,000 | 2,195,000 | 2,871,000 |
| Interest expense | 105,000 | 193,000 | 277,000 | 361,000 |
| Net interest income | 638,000 | 1,294,000 | 1,918,000 | 2,510,000 |
| Noninterest income | 240,000 | 491,000 | 750,000 | 1,019,000 |
| Noninterest expense | 697,000 | 1,422,000 | 2,156,000 | 2,868,000 |
| Provision for loan losses | 9,000 | 75,000 | 84,000 | 136,000 |
| Pretax income | 204,000 | 366,000 | 603,000 | 851,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 204,000 | 366,000 | 603,000 | 851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,977,000 | 7,068,000 | 7,195,000 | 7,268,000 |
| Total capital | 7,209,000 | 7,347,000 | 7,471,000 | 7,559,000 |
| Risk-weighted assets | 34,308,000 | 33,923,000 | 34,094,000 | 33,983,000 |