Call reports 2007
POINTS WEST COMMUNITY BANK — 2007
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 298,318,000 | 290,391,000 | 285,475,000 | 286,783,000 |
| Total loans | 184,635,000 | 183,135,000 | 183,579,000 | 187,866,000 |
| Allowance for loan losses | 3,964,000 | 3,910,000 | 3,956,000 | 3,901,000 |
| Securities available for sale | 72,841,000 | 78,870,000 | 77,662,000 | 75,842,000 |
| Securities held to maturity | 2,819,000 | 2,798,000 | 2,781,000 | 2,723,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,576,000 | 247,279,000 | 243,007,000 | 248,230,000 |
| Interest-bearing deposits | 230,070,000 | 217,847,000 | 211,108,000 | 215,078,000 |
| Noninterest-bearing deposits | 28,506,000 | 29,432,000 | 31,899,000 | 33,152,000 |
| Equity capital | 26,435,000 | 25,505,000 | 26,790,000 | 27,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,692,000 | 9,446,000 | 14,165,000 | 18,929,000 |
| Interest expense | 2,384,000 | 4,844,000 | 7,186,000 | 9,416,000 |
| Net interest income | 2,308,000 | 4,602,000 | 6,979,000 | 9,513,000 |
| Noninterest income | 280,000 | 594,000 | 988,000 | 1,298,000 |
| Noninterest expense | 1,625,000 | 3,337,000 | 4,965,000 | 6,775,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 862,000 | 1,758,000 | 2,901,000 | 3,935,000 |
| Income tax | 854,000 | 870,000 | 883,000 | 901,000 |
| Net income | 8,000 | 888,000 | 2,018,000 | 3,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,966,000 | 24,290,000 | 24,340,000 | 24,456,000 |
| Total capital | 26,461,000 | 26,772,000 | 26,805,000 | 27,011,000 |
| Risk-weighted assets | 198,161,000 | 197,156,000 | 195,680,000 | 203,058,000 |
Machine access — free, no API key
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