Call reports 2014
POINTWEST BANK — 2014
What POINTWEST BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 101,909,000 | 101,983,000 | 98,691,000 | 103,764,000 |
| Total loans | 25,257,000 | 26,273,000 | 26,230,000 | 27,126,000 |
| Allowance for loan losses | 293,000 | 300,000 | 288,000 | 280,000 |
| Securities available for sale | 43,143,000 | 40,676,000 | 38,966,000 | 38,134,000 |
| Securities held to maturity | 4,942,000 | 4,934,000 | 4,927,000 | 4,920,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,350,000 | 89,943,000 | 86,715,000 | 91,696,000 |
| Interest-bearing deposits | 65,700,000 | 65,660,000 | 62,715,000 | 66,581,000 |
| Noninterest-bearing deposits | 24,649,000 | 24,283,000 | 24,000,000 | 25,116,000 |
| Equity capital | 6,670,000 | 7,090,000 | 6,948,000 | 7,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 698,000 | 1,412,000 | 2,125,000 | 2,825,000 |
| Interest expense | 64,000 | 127,000 | 187,000 | 248,000 |
| Net interest income | 634,000 | 1,285,000 | 1,938,000 | 2,577,000 |
| Noninterest income | 231,000 | 485,000 | 744,000 | 954,000 |
| Noninterest expense | 819,000 | 1,529,000 | 2,301,000 | 3,065,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 33,000 |
| Pretax income | 37,000 | 231,000 | 362,000 | 476,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 37,000 | 231,000 | 362,000 | 476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,599,000 | 7,704,000 | 7,744,000 | 7,828,000 |
| Total capital | 7,892,000 | 8,004,000 | 8,032,000 | 8,108,000 |
| Risk-weighted assets | 38,601,000 | 39,408,000 | 38,351,000 | 38,079,000 |