Call reports 2004
POINTS WEST COMMUNITY BANK — 2004
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 136,305,000 | 131,232,000 | 133,483,000 | 146,720,000 |
| Total loans | 91,354,000 | 94,360,000 | 91,786,000 | 99,571,000 |
| Allowance for loan losses | 1,882,000 | 1,424,000 | 1,521,000 | 1,490,000 |
| Securities available for sale | 19,816,000 | 20,573,000 | 20,903,000 | 22,478,000 |
| Securities held to maturity | 4,473,000 | 3,213,000 | 3,326,000 | 2,504,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,725,000 | 110,809,000 | 111,423,000 | 124,892,000 |
| Interest-bearing deposits | 102,192,000 | 96,017,000 | 97,760,000 | 107,881,000 |
| Noninterest-bearing deposits | 13,533,000 | 14,792,000 | 13,663,000 | 17,011,000 |
| Equity capital | 12,124,000 | 12,277,000 | 12,835,000 | 12,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,692,000 | 3,457,000 | 5,279,000 | 7,146,000 |
| Interest expense | 568,000 | 1,106,000 | 1,653,000 | 2,231,000 |
| Net interest income | 1,124,000 | 2,351,000 | 3,626,000 | 4,915,000 |
| Noninterest income | 148,000 | 316,000 | 479,000 | 624,000 |
| Noninterest expense | 706,000 | 1,471,000 | 2,219,000 | 3,005,000 |
| Provision for loan losses | 45,000 | 102,000 | 184,000 | 267,000 |
| Pretax income | 544,000 | 1,152,000 | 1,783,000 | 2,371,000 |
| Income tax | 162,000 | 338,000 | 535,000 | 718,000 |
| Net income | 382,000 | 814,000 | 1,248,000 | 1,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,146,000 | 9,578,000 | 10,012,000 | 10,216,000 |
| Total capital | 10,358,000 | 10,804,000 | 11,204,000 | 11,516,000 |
| Risk-weighted assets | 96,259,000 | 97,862,000 | 95,046,000 | 103,842,000 |
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