Call reports 2001
POINTS WEST COMMUNITY BANK — 2001
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 35,063,000 | 34,134,000 | 34,565,000 | 37,322,000 |
| Total loans | 20,997,000 | 22,226,000 | 21,232,000 | 22,968,000 |
| Allowance for loan losses | 370,000 | 373,000 | 379,000 | 377,000 |
| Securities available for sale | 6,840,000 | 7,401,000 | 5,143,000 | 5,209,000 |
| Securities held to maturity | 3,227,000 | 2,741,000 | 3,162,000 | 3,278,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,497,000 | 27,790,000 | 29,378,000 | 30,332,000 |
| Interest-bearing deposits | 24,870,000 | 24,324,000 | 25,874,000 | 26,268,000 |
| Noninterest-bearing deposits | 3,627,000 | 3,466,000 | 3,504,000 | 4,064,000 |
| Equity capital | 2,868,000 | 2,880,000 | 2,772,000 | 2,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 650,000 | 1,287,000 | 1,889,000 | 2,469,000 |
| Interest expense | 343,000 | 671,000 | 971,000 | 1,243,000 |
| Net interest income | 307,000 | 616,000 | 918,000 | 1,226,000 |
| Noninterest income | 65,000 | 137,000 | 206,000 | 278,000 |
| Noninterest expense | 216,000 | 447,000 | 687,000 | 897,000 |
| Provision for loan losses | 5,000 | 10,000 | 16,000 | 21,000 |
| Pretax income | 165,000 | 316,000 | 449,000 | 630,000 |
| Income tax | 45,000 | 71,000 | 105,000 | 152,000 |
| Net income | 120,000 | 245,000 | 344,000 | 478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,758,000 | 2,783,000 | 2,682,000 | 2,756,000 |
| Total capital | 3,040,000 | 3,122,000 | 3,040,000 | 3,089,000 |
| Risk-weighted assets | 22,440,000 | 27,111,000 | 28,582,000 | 26,569,000 |
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