Call reports 2013
POINTS WEST COMMUNITY BANK — 2013
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 350,727,000 | 340,252,000 | 333,538,000 | 356,005,000 |
| Total loans | 161,654,000 | 168,479,000 | 161,939,000 | 179,544,000 |
| Allowance for loan losses | 3,206,000 | 3,230,000 | 3,208,000 | 3,431,000 |
| Securities available for sale | 162,901,000 | 149,289,000 | 142,210,000 | 149,223,000 |
| Securities held to maturity | 537,000 | 0 | 0 | 360,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,162,000 | 289,341,000 | 290,971,000 | 308,709,000 |
| Interest-bearing deposits | 249,641,000 | 233,270,000 | 234,089,000 | 249,906,000 |
| Noninterest-bearing deposits | 55,521,000 | 56,071,000 | 56,882,000 | 58,803,000 |
| Equity capital | 34,524,000 | 32,354,000 | 31,205,000 | 33,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,854,000 | 5,885,000 | 8,859,000 | 11,835,000 |
| Interest expense | 428,000 | 840,000 | 1,227,000 | 1,603,000 |
| Net interest income | 2,426,000 | 5,045,000 | 7,632,000 | 10,232,000 |
| Noninterest income | 301,000 | 611,000 | 945,000 | 1,256,000 |
| Noninterest expense | 1,736,000 | 3,448,000 | 5,330,000 | 7,156,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 993,000 | 2,210,000 | 3,249,000 | 4,329,000 |
| Income tax | 18,000 | 37,000 | 56,000 | 75,000 |
| Net income | 975,000 | 2,173,000 | 3,193,000 | 4,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,076,000 | 30,524,000 | 30,043,000 | 31,804,000 |
| Total capital | 32,289,000 | 32,785,000 | 32,195,000 | 34,221,000 |
| Risk-weighted assets | 176,058,000 | 179,940,000 | 171,093,000 | 192,314,000 |