Call reports 2004
POINTS WEST COMMUNITY BANK — 2004
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 90,472,000 | 91,002,000 | 94,748,000 | 95,668,000 |
| Total loans | 68,009,000 | 72,728,000 | 77,198,000 | 78,744,000 |
| Allowance for loan losses | 1,137,000 | 1,122,000 | 1,149,000 | 1,204,000 |
| Securities available for sale | 8,743,000 | 8,447,000 | 7,783,000 | 7,051,000 |
| Securities held to maturity | 1,382,000 | 1,691,000 | 1,520,000 | 1,507,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,700,000 | 76,278,000 | 73,666,000 | 78,317,000 |
| Interest-bearing deposits | 66,501,000 | 67,139,000 | 65,149,000 | 67,032,000 |
| Noninterest-bearing deposits | 10,199,000 | 9,139,000 | 8,517,000 | 11,285,000 |
| Equity capital | 8,322,000 | 8,188,000 | 8,625,000 | 8,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,325,000 | 2,622,000 | 4,068,000 | 5,540,000 |
| Interest expense | 320,000 | 644,000 | 977,000 | 1,347,000 |
| Net interest income | 1,005,000 | 1,978,000 | 3,091,000 | 4,193,000 |
| Noninterest income | 89,000 | 197,000 | 313,000 | 411,000 |
| Noninterest expense | 601,000 | 1,244,000 | 1,914,000 | 2,610,000 |
| Provision for loan losses | 13,000 | 33,000 | 64,000 | 115,000 |
| Pretax income | 473,000 | 891,000 | 1,419,000 | 1,872,000 |
| Income tax | 144,000 | 274,000 | 445,000 | 583,000 |
| Net income | 329,000 | 617,000 | 974,000 | 1,289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,653,000 | 6,641,000 | 7,015,000 | 7,347,000 |
| Total capital | 7,535,000 | 7,566,000 | 7,992,000 | 8,338,000 |
| Risk-weighted assets | 70,285,000 | 73,801,000 | 77,951,000 | 79,052,000 |
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