Call reports 2014
POINTS WEST COMMUNITY BANK — 2014
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 364,784,000 | 356,925,000 | 370,448,000 | 380,431,000 |
| Total loans | 177,248,000 | 179,506,000 | 169,558,000 | 180,509,000 |
| Allowance for loan losses | 3,434,000 | 3,438,000 | 3,401,000 | 3,399,000 |
| Securities available for sale | 159,826,000 | 151,662,000 | 157,347,000 | 167,204,000 |
| Securities held to maturity | 361,000 | 360,000 | 360,000 | 335,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 318,399,000 | 308,590,000 | 322,493,000 | 331,929,000 |
| Interest-bearing deposits | 258,656,000 | 247,660,000 | 253,982,000 | 265,372,000 |
| Noninterest-bearing deposits | 59,743,000 | 60,930,000 | 68,511,000 | 66,557,000 |
| Equity capital | 34,250,000 | 35,636,000 | 35,966,000 | 36,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,088,000 | 6,178,000 | 9,256,000 | 12,379,000 |
| Interest expense | 376,000 | 754,000 | 1,118,000 | 1,485,000 |
| Net interest income | 2,712,000 | 5,424,000 | 8,138,000 | 10,894,000 |
| Noninterest income | 284,000 | 594,000 | 911,000 | 1,222,000 |
| Noninterest expense | 1,781,000 | 3,727,000 | 5,539,000 | 7,566,000 |
| Provision for loan losses | 0 | 9,000 | 9,000 | 9,000 |
| Pretax income | 1,215,000 | 2,282,000 | 3,540,000 | 4,589,000 |
| Income tax | 21,000 | 42,000 | 62,000 | 84,000 |
| Net income | 1,194,000 | 2,240,000 | 3,478,000 | 4,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,198,000 | 32,544,000 | 32,933,000 | 33,359,000 |
| Total capital | 34,582,000 | 34,906,000 | 35,176,000 | 35,762,000 |
| Risk-weighted assets | 189,704,000 | 187,846,000 | 178,242,000 | 191,248,000 |