Call reports 2008
POINTS WEST COMMUNITY BANK — 2008
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 284,461,000 | 282,220,000 | 280,843,000 | 290,664,000 |
| Total loans | 183,737,000 | 185,411,000 | 186,255,000 | 192,894,000 |
| Allowance for loan losses | 3,853,000 | 3,850,000 | 3,520,000 | 3,941,000 |
| Securities available for sale | 71,460,000 | 73,525,000 | 73,353,000 | 73,947,000 |
| Securities held to maturity | 2,685,000 | 2,685,000 | 2,513,000 | 2,258,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,403,000 | 242,749,000 | 236,426,000 | 236,399,000 |
| Interest-bearing deposits | 211,045,000 | 211,109,000 | 205,744,000 | 202,191,000 |
| Noninterest-bearing deposits | 34,358,000 | 31,640,000 | 30,682,000 | 34,208,000 |
| Equity capital | 28,970,000 | 27,649,000 | 27,938,000 | 29,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,458,000 | 8,552,000 | 12,629,000 | 16,647,000 |
| Interest expense | 1,770,000 | 3,202,000 | 4,546,000 | 5,786,000 |
| Net interest income | 2,688,000 | 5,350,000 | 8,083,000 | 10,861,000 |
| Noninterest income | 355,000 | 705,000 | 1,091,000 | 1,450,000 |
| Noninterest expense | 1,821,000 | 3,495,000 | 5,390,000 | 7,104,000 |
| Provision for loan losses | 0 | 0 | 0 | 250,000 |
| Pretax income | 1,250,000 | 2,604,000 | 3,853,000 | 4,815,000 |
| Income tax | 12,000 | 29,000 | 44,000 | 56,000 |
| Net income | 1,238,000 | 2,575,000 | 3,809,000 | 4,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,957,000 | 25,405,000 | 25,022,000 | 25,249,000 |
| Total capital | 27,397,000 | 27,859,000 | 27,488,000 | 27,793,000 |
| Risk-weighted assets | 193,751,000 | 194,896,000 | 196,215,000 | 202,085,000 |
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