Call reports 2017
POINTS WEST COMMUNITY BANK — 2017
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 355,764,000 | 355,097,000 | 352,573,000 | 369,114,000 |
| Total loans | 183,325,000 | 185,729,000 | 179,414,000 | 182,535,000 |
| Allowance for loan losses | 3,855,000 | 3,835,000 | 3,836,000 | 3,825,000 |
| Securities available for sale | 150,409,000 | 147,987,000 | 145,288,000 | 152,352,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,923,000 | 296,671,000 | 299,735,000 | 317,978,000 |
| Interest-bearing deposits | 245,447,000 | 242,024,000 | 244,519,000 | 254,749,000 |
| Noninterest-bearing deposits | 58,476,000 | 54,647,000 | 55,216,000 | 63,229,000 |
| Equity capital | 36,249,000 | 37,180,000 | 37,061,000 | 35,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,162,000 | 6,383,000 | 9,604,000 | 12,889,000 |
| Interest expense | 359,000 | 732,000 | 1,115,000 | 1,512,000 |
| Net interest income | 2,803,000 | 5,651,000 | 8,489,000 | 11,377,000 |
| Noninterest income | 259,000 | 555,000 | 851,000 | 1,083,000 |
| Noninterest expense | 1,878,000 | 3,870,000 | 5,774,000 | 7,794,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,184,000 | 2,336,000 | 3,570,000 | 4,670,000 |
| Income tax | 19,000 | 39,000 | 77,000 | 78,000 |
| Net income | 1,165,000 | 2,297,000 | 3,493,000 | 4,592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,468,000 | 34,165,000 | 34,210,000 | 34,209,000 |
| Total capital | 36,911,000 | 36,579,000 | 36,524,000 | 36,583,000 |
| Risk-weighted assets | 194,027,000 | 191,686,000 | 183,625,000 | 188,497,000 |