Call reports 2010
POINTS WEST COMMUNITY BANK — 2010
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 119,657,000 | 120,132,000 | 122,290,000 | 127,493,000 |
| Total loans | 73,065,000 | 74,998,000 | 79,126,000 | 76,336,000 |
| Allowance for loan losses | 1,154,000 | 1,245,000 | 1,406,000 | 1,427,000 |
| Securities available for sale | 30,299,000 | 31,704,000 | 35,678,000 | 35,969,000 |
| Securities held to maturity | 389,000 | 281,000 | 280,000 | 280,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,084,000 | 104,067,000 | 100,579,000 | 107,805,000 |
| Interest-bearing deposits | 92,120,000 | 91,858,000 | 87,970,000 | 91,855,000 |
| Noninterest-bearing deposits | 11,964,000 | 12,209,000 | 12,609,000 | 15,950,000 |
| Equity capital | 11,619,000 | 12,046,000 | 12,285,000 | 12,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,428,000 | 2,883,000 | 4,391,000 | 5,926,000 |
| Interest expense | 335,000 | 646,000 | 951,000 | 1,257,000 |
| Net interest income | 1,093,000 | 2,237,000 | 3,440,000 | 4,669,000 |
| Noninterest income | 77,000 | 199,000 | 309,000 | 418,000 |
| Noninterest expense | 748,000 | 1,538,000 | 2,286,000 | 3,081,000 |
| Provision for loan losses | 88,000 | 242,000 | 370,000 | 466,000 |
| Pretax income | 334,000 | 698,000 | 1,135,000 | 1,546,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 334,000 | 698,000 | 1,135,000 | 1,546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,623,000 | 10,003,000 | 10,057,000 | 10,485,000 |
| Total capital | 10,585,000 | 10,973,000 | 11,081,000 | 11,494,000 |
| Risk-weighted assets | 76,668,000 | 77,295,000 | 81,558,000 | 80,311,000 |
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