Call reports 2007
POINTS WEST COMMUNITY BANK — 2007
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 95,175,000 | 93,011,000 | 94,268,000 | 90,448,000 |
| Total loans | 66,638,000 | 65,604,000 | 65,009,000 | 64,587,000 |
| Allowance for loan losses | 1,109,000 | 1,115,000 | 1,043,000 | 1,041,000 |
| Securities available for sale | 10,845,000 | 12,230,000 | 14,112,000 | 14,244,000 |
| Securities held to maturity | 1,249,000 | 1,240,000 | 1,230,000 | 1,049,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,140,000 | 80,529,000 | 81,662,000 | 78,285,000 |
| Interest-bearing deposits | 71,353,000 | 70,164,000 | 70,842,000 | 67,877,000 |
| Noninterest-bearing deposits | 10,787,000 | 10,365,000 | 10,820,000 | 10,408,000 |
| Equity capital | 9,005,000 | 8,973,000 | 9,068,000 | 9,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,583,000 | 3,194,000 | 4,799,000 | 6,394,000 |
| Interest expense | 641,000 | 1,301,000 | 1,946,000 | 2,579,000 |
| Net interest income | 942,000 | 1,893,000 | 2,853,000 | 3,815,000 |
| Noninterest income | 105,000 | 200,000 | 315,000 | 422,000 |
| Noninterest expense | 693,000 | 1,368,000 | 2,047,000 | 2,720,000 |
| Provision for loan losses | 27,000 | 45,000 | 45,000 | 45,000 |
| Pretax income | 327,000 | 680,000 | 1,076,000 | 1,472,000 |
| Income tax | 274,000 | 274,000 | 274,000 | 274,000 |
| Net income | 53,000 | 406,000 | 802,000 | 1,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,626,000 | 7,759,000 | 7,717,000 | 7,751,000 |
| Total capital | 8,495,000 | 8,613,000 | 8,552,000 | 8,575,000 |
| Risk-weighted assets | 69,276,000 | 68,061,000 | 66,585,000 | 65,717,000 |
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