Call reports 2018
POINTS WEST COMMUNITY BANK — 2018
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 398,673,000 | 392,359,000 | 392,802,000 | 395,101,000 |
| Total loans | 211,717,000 | 215,707,000 | 219,017,000 | 223,011,000 |
| Allowance for loan losses | 4,440,000 | 4,441,000 | 4,491,000 | 4,483,000 |
| Securities available for sale | 149,970,000 | 145,344,000 | 135,866,000 | 131,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,768,000 | 331,385,000 | 334,457,000 | 339,506,000 |
| Interest-bearing deposits | 275,433,000 | 263,972,000 | 271,007,000 | 269,487,000 |
| Noninterest-bearing deposits | 66,335,000 | 67,413,000 | 63,450,000 | 70,019,000 |
| Equity capital | 38,580,000 | 38,467,000 | 37,874,000 | 39,104,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,721,000 | 7,515,000 | 11,520,000 | 15,534,000 |
| Interest expense | 505,000 | 1,042,000 | 1,637,000 | 2,288,000 |
| Net interest income | 3,216,000 | 6,473,000 | 9,883,000 | 13,246,000 |
| Noninterest income | 284,000 | 627,000 | 962,000 | 1,315,000 |
| Noninterest expense | 2,080,000 | 4,335,000 | 6,504,000 | 8,846,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,420,000 | 2,765,000 | 4,344,000 | 5,718,000 |
| Income tax | 25,000 | 49,000 | 72,000 | 93,000 |
| Net income | 1,395,000 | 2,716,000 | 4,272,000 | 5,625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,810,000 | 38,870,000 | 38,877,000 | 38,879,000 |
| Total capital | 41,468,000 | 41,624,000 | 41,704,000 | 41,733,000 |
| Risk-weighted assets | 210,871,000 | 218,685,000 | 224,564,000 | 226,728,000 |