Call reports 2016
POINTS WEST COMMUNITY BANK — 2016
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 360,304,000 | 357,493,000 | 357,412,000 | 361,437,000 |
| Total loans | 193,169,000 | 195,680,000 | 185,972,000 | 189,605,000 |
| Allowance for loan losses | 3,884,000 | 3,888,000 | 3,880,000 | 3,853,000 |
| Securities available for sale | 136,562,000 | 142,795,000 | 137,937,000 | 150,602,000 |
| Securities held to maturity | 75,000 | 75,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,348,000 | 301,353,000 | 301,934,000 | 304,581,000 |
| Interest-bearing deposits | 248,633,000 | 245,821,000 | 249,083,000 | 247,458,000 |
| Noninterest-bearing deposits | 56,715,000 | 55,532,000 | 52,851,000 | 57,123,000 |
| Equity capital | 38,188,000 | 38,731,000 | 38,556,000 | 35,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,132,000 | 6,299,000 | 9,501,000 | 12,611,000 |
| Interest expense | 357,000 | 729,000 | 1,100,000 | 1,470,000 |
| Net interest income | 2,775,000 | 5,570,000 | 8,401,000 | 11,141,000 |
| Noninterest income | 289,000 | 600,000 | 901,000 | 1,140,000 |
| Noninterest expense | 1,886,000 | 3,936,000 | 5,817,000 | 7,838,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,178,000 | 2,239,000 | 3,490,000 | 4,448,000 |
| Income tax | 19,000 | 39,000 | 58,000 | 77,000 |
| Net income | 1,159,000 | 2,200,000 | 3,432,000 | 4,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,120,000 | 34,261,000 | 34,243,000 | 34,032,000 |
| Total capital | 36,361,000 | 36,783,000 | 36,652,000 | 36,544,000 |
| Risk-weighted assets | 177,650,000 | 200,417,000 | 191,214,000 | 199,589,000 |