Call reports 2016
POINTWEST BANK — 2016
What POINTWEST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 101,485,000 | 99,042,000 | 104,025,000 | 101,411,000 |
| Total loans | 31,856,000 | 32,788,000 | 32,021,000 | 32,455,000 |
| Allowance for loan losses | 280,000 | 307,000 | 333,000 | 327,000 |
| Securities available for sale | 33,388,000 | 30,279,000 | 29,153,000 | 29,711,000 |
| Securities held to maturity | 5,116,000 | 5,109,000 | 5,101,000 | 5,362,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,762,000 | 81,386,000 | 85,548,000 | 84,733,000 |
| Interest-bearing deposits | 62,366,000 | 57,498,000 | 60,274,000 | 59,514,000 |
| Noninterest-bearing deposits | 24,397,000 | 23,888,000 | 25,274,000 | 25,219,000 |
| Equity capital | 8,442,000 | 8,772,000 | 8,965,000 | 7,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 758,000 | 1,523,000 | 2,279,000 | 3,080,000 |
| Interest expense | 61,000 | 118,000 | 180,000 | 241,000 |
| Net interest income | 697,000 | 1,405,000 | 2,099,000 | 2,839,000 |
| Noninterest income | 286,000 | 576,000 | 877,000 | 1,064,000 |
| Noninterest expense | 701,000 | 1,423,000 | 2,198,000 | 3,092,000 |
| Provision for loan losses | 38,000 | 76,000 | 104,000 | 115,000 |
| Pretax income | 262,000 | 573,000 | 819,000 | 853,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 262,000 | 573,000 | 819,000 | 853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,391,000 | 8,595,000 | 8,756,000 | 8,715,000 |
| Total capital | 8,671,000 | 8,902,000 | 9,089,000 | 9,042,000 |
| Risk-weighted assets | 43,364,000 | 42,615,000 | 43,248,000 | 43,633,000 |