Call reports 2020
POINTWEST BANK — 2020
What POINTWEST BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 105,992,000 | 114,176,000 | 117,022,000 | 120,254,000 |
| Total loans | 40,226,000 | 43,039,000 | 43,825,000 | 40,041,000 |
| Allowance for loan losses | 426,000 | 442,000 | 453,000 | 451,000 |
| Securities available for sale | 26,021,000 | 25,213,000 | 23,531,000 | 20,730,000 |
| Securities held to maturity | 4,180,000 | 3,973,000 | 3,342,000 | 3,116,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,638,000 | 101,018,000 | 103,274,000 | 106,956,000 |
| Interest-bearing deposits | 62,208,000 | 64,263,000 | 66,144,000 | 67,394,000 |
| Noninterest-bearing deposits | 31,429,000 | 36,755,000 | 37,131,000 | 39,563,000 |
| Equity capital | 10,863,000 | 11,300,000 | 11,446,000 | 11,276,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 897,000 | 1,759,000 | 2,599,000 | 3,495,000 |
| Interest expense | 73,000 | 144,000 | 203,000 | 256,000 |
| Net interest income | 824,000 | 1,615,000 | 2,396,000 | 3,239,000 |
| Noninterest income | 280,000 | 532,000 | 808,000 | 1,104,000 |
| Noninterest expense | 782,000 | 1,540,000 | 2,314,000 | 3,295,000 |
| Provision for loan losses | 50,000 | 60,000 | 60,000 | 75,000 |
| Pretax income | 285,000 | 560,000 | 843,000 | 986,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 285,000 | 560,000 | 843,000 | 986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,679,000 | 10,854,000 | 11,038,000 | 10,825,000 |
| Total capital | 11,105,000 | 11,296,000 | 11,491,000 | 11,276,000 |
| Risk-weighted assets | 46,069,000 | 50,168,000 | 51,452,000 | 48,609,000 |