Call reports 2012
POINTS WEST COMMUNITY BANK — 2012
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 331,613,000 | 327,097,000 | 333,255,000 | 348,783,000 |
| Total loans | 169,059,000 | 169,121,000 | 165,139,000 | 163,500,000 |
| Allowance for loan losses | 3,268,000 | 3,275,000 | 3,268,000 | 3,223,000 |
| Securities available for sale | 126,940,000 | 133,231,000 | 138,657,000 | 145,739,000 |
| Securities held to maturity | 767,000 | 767,000 | 667,000 | 537,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,480,000 | 280,494,000 | 286,176,000 | 302,294,000 |
| Interest-bearing deposits | 237,225,000 | 230,629,000 | 235,160,000 | 247,610,000 |
| Noninterest-bearing deposits | 49,255,000 | 49,865,000 | 51,016,000 | 54,684,000 |
| Equity capital | 32,702,000 | 33,265,000 | 34,748,000 | 34,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,247,000 | 6,493,000 | 9,615,000 | 12,644,000 |
| Interest expense | 522,000 | 1,020,000 | 1,491,000 | 1,946,000 |
| Net interest income | 2,725,000 | 5,473,000 | 8,124,000 | 10,698,000 |
| Noninterest income | 320,000 | 588,000 | 930,000 | 1,278,000 |
| Noninterest expense | 1,883,000 | 3,632,000 | 5,507,000 | 7,427,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,166,000 | 2,444,000 | 3,563,000 | 4,566,000 |
| Income tax | 17,000 | 34,000 | 52,000 | 70,000 |
| Net income | 1,149,000 | 2,410,000 | 3,511,000 | 4,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,653,000 | 28,014,000 | 29,115,000 | 29,600,000 |
| Total capital | 29,890,000 | 30,257,000 | 31,284,000 | 31,766,000 |
| Risk-weighted assets | 177,939,000 | 178,396,000 | 172,434,000 | 172,206,000 |