Call reports 2015
POINTS WEST COMMUNITY BANK — 2015
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 387,666,000 | 369,446,000 | 358,912,000 | 352,481,000 |
| Total loans | 178,167,000 | 192,526,000 | 188,293,000 | 194,551,000 |
| Allowance for loan losses | 3,402,000 | 3,400,000 | 3,905,000 | 3,892,000 |
| Securities available for sale | 181,874,000 | 155,812,000 | 143,168,000 | 134,023,000 |
| Securities held to maturity | 145,000 | 145,000 | 75,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,867,000 | 303,878,000 | 306,465,000 | 300,498,000 |
| Interest-bearing deposits | 267,188,000 | 243,942,000 | 252,084,000 | 244,190,000 |
| Noninterest-bearing deposits | 62,679,000 | 59,936,000 | 54,381,000 | 56,308,000 |
| Equity capital | 37,794,000 | 37,354,000 | 37,409,000 | 37,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,049,000 | 6,238,000 | 9,384,000 | 12,472,000 |
| Interest expense | 373,000 | 741,000 | 1,097,000 | 1,444,000 |
| Net interest income | 2,676,000 | 5,497,000 | 8,287,000 | 11,028,000 |
| Noninterest income | 268,000 | 559,000 | 884,000 | 1,180,000 |
| Noninterest expense | 1,867,000 | 3,896,000 | 5,818,000 | 7,826,000 |
| Provision for loan losses | 14,000 | 14,000 | 514,000 | 513,000 |
| Pretax income | 1,063,000 | 2,155,000 | 2,848,000 | 3,883,000 |
| Income tax | 20,000 | 41,000 | 60,000 | 81,000 |
| Net income | 1,043,000 | 2,114,000 | 2,788,000 | 3,802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,703,000 | 33,924,000 | 33,748,000 | 33,961,000 |
| Total capital | 36,047,000 | 36,465,000 | 36,268,000 | 36,521,000 |
| Risk-weighted assets | 186,481,000 | 202,449,000 | 200,202,000 | 203,439,000 |