Call reports 2009
POINTS WEST COMMUNITY BANK — 2009
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 107,894,000 | 115,456,000 | 113,576,000 | 117,175,000 |
| Total loans | 70,317,000 | 74,049,000 | 76,831,000 | 76,718,000 |
| Allowance for loan losses | 1,104,000 | 939,000 | 997,000 | 1,083,000 |
| Securities available for sale | 21,098,000 | 28,144,000 | 28,144,000 | 30,066,000 |
| Securities held to maturity | 453,000 | 434,000 | 417,000 | 405,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,536,000 | 100,968,000 | 97,192,000 | 101,003,000 |
| Interest-bearing deposits | 80,792,000 | 88,723,000 | 85,835,000 | 86,775,000 |
| Noninterest-bearing deposits | 12,744,000 | 12,245,000 | 11,357,000 | 14,228,000 |
| Equity capital | 10,312,000 | 10,440,000 | 11,348,000 | 11,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,356,000 | 2,752,000 | 4,251,000 | 5,722,000 |
| Interest expense | 394,000 | 805,000 | 1,201,000 | 1,581,000 |
| Net interest income | 962,000 | 1,947,000 | 3,050,000 | 4,141,000 |
| Noninterest income | 85,000 | 181,000 | 315,000 | 419,000 |
| Noninterest expense | 700,000 | 1,472,000 | 2,223,000 | 2,962,000 |
| Provision for loan losses | 60,000 | 131,000 | 274,000 | 442,000 |
| Pretax income | 325,000 | 563,000 | 906,000 | 1,194,000 |
| Income tax | -20,000 | -20,000 | -20,000 | -20,000 |
| Net income | 345,000 | 583,000 | 926,000 | 1,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,692,000 | 8,947,000 | 9,307,000 | 9,271,000 |
| Total capital | 9,617,000 | 9,886,000 | 10,304,000 | 10,283,000 |
| Risk-weighted assets | 73,782,000 | 78,237,000 | 80,079,000 | 80,879,000 |
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