Call reports 2008
POINTS WEST COMMUNITY BANK — 2008
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 90,738,000 | 93,013,000 | 95,094,000 | 98,456,000 |
| Total loans | 65,812,000 | 70,085,000 | 71,977,000 | 72,710,000 |
| Allowance for loan losses | 997,000 | 1,012,000 | 972,000 | 1,051,000 |
| Securities available for sale | 13,933,000 | 13,854,000 | 13,726,000 | 13,603,000 |
| Securities held to maturity | 1,042,000 | 1,031,000 | 1,024,000 | 464,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,279,000 | 78,254,000 | 79,002,000 | 84,497,000 |
| Interest-bearing deposits | 67,581,000 | 67,834,000 | 67,246,000 | 70,908,000 |
| Noninterest-bearing deposits | 10,698,000 | 10,420,000 | 11,756,000 | 13,589,000 |
| Equity capital | 9,504,000 | 9,104,000 | 9,696,000 | 9,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,498,000 | 2,923,000 | 4,390,000 | 5,817,000 |
| Interest expense | 526,000 | 963,000 | 1,363,000 | 1,756,000 |
| Net interest income | 972,000 | 1,960,000 | 3,027,000 | 4,061,000 |
| Noninterest income | 92,000 | 180,000 | 266,000 | 368,000 |
| Noninterest expense | 708,000 | 1,429,000 | 2,097,000 | 2,919,000 |
| Provision for loan losses | 0 | 18,000 | 86,000 | 186,000 |
| Pretax income | 356,000 | 693,000 | 1,110,000 | 1,324,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 356,000 | 693,000 | 1,110,000 | 1,324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,819,000 | 7,814,000 | 8,249,000 | 8,330,000 |
| Total capital | 8,657,000 | 8,707,000 | 9,180,000 | 9,269,000 |
| Risk-weighted assets | 66,888,000 | 71,347,000 | 74,463,000 | 74,994,000 |
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