Call reports 2013
POINTWEST BANK — 2013
What POINTWEST BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 84,115,000 | 95,971,000 | 104,975,000 | 100,599,000 |
| Total loans | 27,261,000 | 26,736,000 | 24,360,000 | 24,448,000 |
| Allowance for loan losses | 279,000 | 266,000 | 289,000 | 292,000 |
| Securities available for sale | 30,907,000 | 38,127,000 | 45,044,000 | 43,957,000 |
| Securities held to maturity | 4,970,000 | 4,963,000 | 4,956,000 | 4,949,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,041,000 | 83,823,000 | 87,857,000 | 89,641,000 |
| Interest-bearing deposits | 52,009,000 | 61,983,000 | 65,091,000 | 64,344,000 |
| Noninterest-bearing deposits | 19,031,000 | 21,841,000 | 22,766,000 | 25,296,000 |
| Equity capital | 7,666,000 | 6,667,000 | 6,106,000 | 6,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 690,000 | 1,393,000 | 2,136,000 | 2,856,000 |
| Interest expense | 82,000 | 162,000 | 231,000 | 295,000 |
| Net interest income | 608,000 | 1,231,000 | 1,905,000 | 2,561,000 |
| Noninterest income | 317,000 | 553,000 | 795,000 | 1,032,000 |
| Noninterest expense | 829,000 | 1,534,000 | 2,347,000 | 3,019,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 33,000 |
| Pretax income | 94,000 | 313,000 | 485,000 | 711,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 94,000 | 313,000 | 485,000 | 711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,243,000 | 7,351,000 | 7,447,000 | 7,653,000 |
| Total capital | 7,522,000 | 7,617,000 | 7,736,000 | 7,945,000 |
| Risk-weighted assets | 33,701,000 | 66,918,000 | 35,938,000 | 37,790,000 |