Call reports 2010
POINTS WEST COMMUNITY BANK — 2010
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 291,858,000 | 288,289,000 | 311,010,000 | 312,926,000 |
| Total loans | 167,639,000 | 164,594,000 | 159,273,000 | 162,181,000 |
| Allowance for loan losses | 3,118,000 | 3,115,000 | 3,237,000 | 3,119,000 |
| Securities available for sale | 87,260,000 | 93,837,000 | 126,357,000 | 127,520,000 |
| Securities held to maturity | 1,759,000 | 1,741,000 | 1,456,000 | 967,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,304,000 | 242,444,000 | 259,508,000 | 263,101,000 |
| Interest-bearing deposits | 216,105,000 | 209,900,000 | 221,707,000 | 223,218,000 |
| Noninterest-bearing deposits | 30,199,000 | 32,544,000 | 37,801,000 | 39,883,000 |
| Equity capital | 31,128,000 | 32,387,000 | 32,318,000 | 30,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,433,000 | 6,859,000 | 10,311,000 | 13,780,000 |
| Interest expense | 907,000 | 1,755,000 | 2,567,000 | 3,335,000 |
| Net interest income | 2,526,000 | 5,104,000 | 7,744,000 | 10,445,000 |
| Noninterest income | 328,000 | 1,614,000 | 1,994,000 | 2,336,000 |
| Noninterest expense | 1,903,000 | 3,705,000 | 5,652,000 | 7,471,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,048,000 | 3,142,000 | 4,261,000 | 5,504,000 |
| Income tax | 30,000 | 43,000 | 58,000 | 74,000 |
| Net income | 1,018,000 | 3,099,000 | 4,203,000 | 5,430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,465,000 | 27,446,000 | 27,300,000 | 27,127,000 |
| Total capital | 28,781,000 | 29,668,000 | 29,520,000 | 29,349,000 |
| Risk-weighted assets | 184,485,000 | 176,862,000 | 176,545,000 | 176,902,000 |