Call reports 2019
POINTS WEST COMMUNITY BANK — 2019
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 391,181,000 | 396,825,000 | 406,903,000 | 404,068,000 |
| Total loans | 225,631,000 | 221,912,000 | 222,086,000 | 222,336,000 |
| Allowance for loan losses | 4,479,000 | 4,489,000 | 4,472,000 | 4,472,000 |
| Securities available for sale | 131,968,000 | 144,596,000 | 153,955,000 | 151,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,879,000 | 338,202,000 | 337,660,000 | 344,727,000 |
| Interest-bearing deposits | 267,565,000 | 269,847,000 | 271,046,000 | 276,821,000 |
| Noninterest-bearing deposits | 67,314,000 | 68,355,000 | 66,614,000 | 67,906,000 |
| Equity capital | 40,597,000 | 42,629,000 | 43,139,000 | 43,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,039,000 | 8,160,000 | 12,407,000 | 16,595,000 |
| Interest expense | 693,000 | 1,455,000 | 2,259,000 | 2,998,000 |
| Net interest income | 3,346,000 | 6,705,000 | 10,148,000 | 13,597,000 |
| Noninterest income | 321,000 | 648,000 | 994,000 | 1,321,000 |
| Noninterest expense | 2,193,000 | 4,497,000 | 6,866,000 | 9,070,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,474,000 | 2,856,000 | 4,276,000 | 5,855,000 |
| Income tax | 23,000 | 46,000 | 68,000 | 92,000 |
| Net income | 1,451,000 | 2,810,000 | 4,208,000 | 5,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,995,000 | 39,055,000 | 39,252,000 | 39,056,000 |
| Total capital | 41,862,000 | 41,936,000 | 42,163,000 | 41,941,000 |
| Risk-weighted assets | 227,783,000 | 228,896,000 | 231,391,000 | 229,264,000 |