Call reports 2009
POINTS WEST COMMUNITY BANK — 2009
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 285,083,000 | 281,394,000 | 285,007,000 | 290,214,000 |
| Total loans | 190,417,000 | 187,773,000 | 182,111,000 | 172,280,000 |
| Allowance for loan losses | 3,582,000 | 3,473,000 | 3,307,000 | 3,156,000 |
| Securities available for sale | 69,728,000 | 66,435,000 | 73,253,000 | 84,761,000 |
| Securities held to maturity | 2,220,000 | 2,221,000 | 2,163,000 | 1,798,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,080,000 | 237,529,000 | 242,665,000 | 248,198,000 |
| Interest-bearing deposits | 212,062,000 | 208,857,000 | 214,761,000 | 215,485,000 |
| Noninterest-bearing deposits | 30,018,000 | 28,672,000 | 27,904,000 | 32,713,000 |
| Equity capital | 29,963,000 | 30,046,000 | 31,109,000 | 31,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,846,000 | 7,688,000 | 11,392,000 | 15,056,000 |
| Interest expense | 1,058,000 | 2,111,000 | 3,150,000 | 4,131,000 |
| Net interest income | 2,788,000 | 5,577,000 | 8,242,000 | 10,925,000 |
| Noninterest income | 265,000 | 549,000 | 836,000 | 1,269,000 |
| Noninterest expense | 1,872,000 | 3,786,000 | 5,721,000 | 7,569,000 |
| Provision for loan losses | 60,000 | 120,000 | 160,000 | 160,000 |
| Pretax income | 1,119,000 | 2,345,000 | 3,322,000 | 4,593,000 |
| Income tax | -50,000 | -36,000 | -21,000 | -5,000 |
| Net income | 1,169,000 | 2,381,000 | 3,343,000 | 4,598,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,518,000 | 26,230,000 | 26,192,000 | 26,447,000 |
| Total capital | 28,004,000 | 28,709,000 | 28,604,000 | 28,817,000 |
| Risk-weighted assets | 197,814,000 | 197,346,000 | 192,058,000 | 188,841,000 |