Call reports 2011
POINTS WEST COMMUNITY BANK — 2011
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 320,091,000 | 316,401,000 | 315,750,000 | 318,786,000 |
| Total loans | 154,842,000 | 160,810,000 | 165,146,000 | 175,741,000 |
| Allowance for loan losses | 3,122,000 | 2,889,000 | 3,023,000 | 3,223,000 |
| Securities available for sale | 133,516,000 | 133,011,000 | 121,314,000 | 114,760,000 |
| Securities held to maturity | 967,000 | 967,000 | 827,000 | 767,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,779,000 | 261,490,000 | 270,552,000 | 273,301,000 |
| Interest-bearing deposits | 236,116,000 | 208,095,000 | 224,905,000 | 226,894,000 |
| Noninterest-bearing deposits | 41,663,000 | 53,395,000 | 45,647,000 | 46,407,000 |
| Equity capital | 30,635,000 | 32,183,000 | 33,332,000 | 32,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,345,000 | 6,720,000 | 10,080,000 | 13,398,000 |
| Interest expense | 700,000 | 1,356,000 | 1,973,000 | 2,557,000 |
| Net interest income | 2,645,000 | 5,364,000 | 8,107,000 | 10,841,000 |
| Noninterest income | 271,000 | 516,000 | 881,000 | 1,210,000 |
| Noninterest expense | 1,872,000 | 3,637,000 | 5,496,000 | 7,203,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 250,000 |
| Pretax income | 1,045,000 | 2,244,000 | 3,439,000 | 4,695,000 |
| Income tax | 16,000 | 32,000 | 49,000 | 67,000 |
| Net income | 1,029,000 | 2,212,000 | 3,390,000 | 4,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,355,000 | 27,539,000 | 27,817,000 | 27,304,000 |
| Total capital | 29,511,000 | 29,707,000 | 30,060,000 | 29,611,000 |
| Risk-weighted assets | 171,507,000 | 172,757,000 | 178,652,000 | 183,664,000 |