Call reports 2003
POINTS WEST COMMUNITY BANK — 2003
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 89,637,000 | 90,593,000 | 89,924,000 | 131,247,000 |
| Total loans | 61,056,000 | 64,265,000 | 64,554,000 | 90,286,000 |
| Allowance for loan losses | 838,000 | 862,000 | 924,000 | 1,826,000 |
| Securities available for sale | 7,890,000 | 8,103,000 | 7,652,000 | 14,035,000 |
| Securities held to maturity | 7,316,000 | 6,636,000 | 5,529,000 | 5,341,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,834,000 | 73,484,000 | 73,251,000 | 111,295,000 |
| Interest-bearing deposits | 63,677,000 | 64,281,000 | 64,109,000 | 97,942,000 |
| Noninterest-bearing deposits | 9,157,000 | 9,203,000 | 9,142,000 | 13,353,000 |
| Equity capital | 9,928,000 | 10,068,000 | 9,983,000 | 11,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,294,000 | 2,572,000 | 3,849,000 | 5,365,000 |
| Interest expense | 424,000 | 826,000 | 1,205,000 | 1,693,000 |
| Net interest income | 870,000 | 1,746,000 | 2,644,000 | 3,672,000 |
| Noninterest income | 93,000 | 220,000 | 358,000 | 511,000 |
| Noninterest expense | 494,000 | 1,018,000 | 1,592,000 | 2,250,000 |
| Provision for loan losses | 30,000 | 70,000 | 130,000 | 190,000 |
| Pretax income | 462,000 | 932,000 | 1,357,000 | 1,843,000 |
| Income tax | 131,000 | 270,000 | 370,000 | 504,000 |
| Net income | 331,000 | 662,000 | 987,000 | 1,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,904,000 | 7,060,000 | 7,035,000 | 8,764,000 |
| Total capital | 7,742,000 | 7,922,000 | 7,860,000 | 9,952,000 |
| Risk-weighted assets | 70,154,000 | 70,449,000 | 65,873,000 | 94,379,000 |
Machine access — free, no API key
Every figure shown here about POINTS WEST COMMUNITY BANK — 2003 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.