Call reports 2015
POINTWEST BANK — 2015
What POINTWEST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 99,923,000 | 103,807,000 | 106,491,000 | 102,807,000 |
| Total loans | 28,037,000 | 30,003,000 | 30,722,000 | 31,187,000 |
| Allowance for loan losses | 277,000 | 264,000 | 275,000 | 283,000 |
| Securities available for sale | 38,664,000 | 36,950,000 | 35,668,000 | 34,032,000 |
| Securities held to maturity | 4,912,000 | 4,905,000 | 4,898,000 | 5,123,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,666,000 | 91,641,000 | 90,871,000 | 88,285,000 |
| Interest-bearing deposits | 63,367,000 | 65,763,000 | 67,464,000 | 62,169,000 |
| Noninterest-bearing deposits | 24,298,000 | 25,879,000 | 23,407,000 | 26,116,000 |
| Equity capital | 7,693,000 | 7,621,000 | 8,014,000 | 7,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 708,000 | 1,436,000 | 2,181,000 | 2,923,000 |
| Interest expense | 60,000 | 120,000 | 181,000 | 244,000 |
| Net interest income | 648,000 | 1,316,000 | 2,000,000 | 2,679,000 |
| Noninterest income | 238,000 | 483,000 | 730,000 | 1,044,000 |
| Noninterest expense | 812,000 | 1,439,000 | 2,128,000 | 3,002,000 |
| Provision for loan losses | 9,000 | 32,000 | 41,000 | 70,000 |
| Pretax income | 83,000 | 371,000 | 604,000 | 694,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 83,000 | 371,000 | 604,000 | 694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,836,000 | 8,048,000 | 8,206,000 | 8,222,000 |
| Total capital | 8,113,000 | 8,312,000 | 8,481,000 | 8,505,000 |
| Risk-weighted assets | 38,399,000 | 40,393,000 | 44,492,000 | 43,524,000 |