Call reports 2005
POINTS WEST COMMUNITY BANK — 2005
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 139,063,000 | 136,695,000 | 292,640,000 | 289,907,000 |
| Total loans | 101,328,000 | 97,532,000 | 219,923,000 | 218,506,000 |
| Allowance for loan losses | 1,534,000 | 1,661,000 | 4,985,000 | 4,465,000 |
| Securities available for sale | 23,903,000 | 24,567,000 | 45,010,000 | 46,455,000 |
| Securities held to maturity | 2,899,000 | 3,119,000 | 3,327,000 | 3,232,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,885,000 | 113,390,000 | 242,422,000 | 239,711,000 |
| Interest-bearing deposits | 100,161,000 | 98,578,000 | 214,091,000 | 210,926,000 |
| Noninterest-bearing deposits | 15,724,000 | 14,812,000 | 28,331,000 | 28,785,000 |
| Equity capital | 13,213,000 | 13,416,000 | 26,513,000 | 27,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,915,000 | 3,972,000 | 13,471,000 | 18,247,000 |
| Interest expense | 646,000 | 1,342,000 | 4,896,000 | 6,735,000 |
| Net interest income | 1,269,000 | 2,630,000 | 8,575,000 | 11,512,000 |
| Noninterest income | 142,000 | 318,000 | 921,000 | 1,229,000 |
| Noninterest expense | 717,000 | 1,508,000 | 5,166,000 | 6,813,000 |
| Provision for loan losses | 44,000 | 44,000 | 3,468,000 | 3,521,000 |
| Pretax income | 673,000 | 1,442,000 | 946,000 | 2,491,000 |
| Income tax | 213,000 | 456,000 | 206,000 | 704,000 |
| Net income | 460,000 | 986,000 | 740,000 | 1,787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,676,000 | 10,752,000 | 23,985,000 | 24,957,000 |
| Total capital | 11,984,000 | 12,010,000 | 26,781,000 | 27,764,000 |
| Risk-weighted assets | 104,410,000 | 100,210,000 | 221,502,000 | 222,912,000 |
Machine access — free, no API key
Every figure shown here about POINTS WEST COMMUNITY BANK — 2005 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 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.