Call reports 2011
POINTS WEST COMMUNITY BANK — 2011
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 136,326,000 | 140,064,000 | 201,051,000 | 197,142,000 |
| Total loans | 73,570,000 | 74,932,000 | 110,662,000 | 105,446,000 |
| Allowance for loan losses | 1,433,000 | 1,448,000 | 1,902,000 | 1,853,000 |
| Securities available for sale | 43,499,000 | 50,570,000 | 78,254,000 | 78,609,000 |
| Securities held to maturity | 281,000 | 280,000 | 280,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,466,000 | 119,474,000 | 173,254,000 | 169,873,000 |
| Interest-bearing deposits | 96,846,000 | 99,082,000 | 150,940,000 | 144,207,000 |
| Noninterest-bearing deposits | 19,620,000 | 20,392,000 | 22,314,000 | 25,666,000 |
| Equity capital | 12,954,000 | 13,781,000 | 19,329,000 | 19,117,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,437,000 | 2,910,000 | 5,178,000 | 7,610,000 |
| Interest expense | 268,000 | 505,000 | 868,000 | 1,193,000 |
| Net interest income | 1,169,000 | 2,405,000 | 4,310,000 | 6,417,000 |
| Noninterest income | 97,000 | 154,000 | 2,316,000 | 2,745,000 |
| Noninterest expense | 751,000 | 1,570,000 | 3,052,000 | 4,380,000 |
| Provision for loan losses | 8,000 | 20,000 | 557,000 | 854,000 |
| Pretax income | 507,000 | 969,000 | 3,056,000 | 3,967,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 507,000 | 969,000 | 3,056,000 | 3,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,009,000 | 11,488,000 | 16,587,000 | 16,505,000 |
| Total capital | 11,946,000 | 12,465,000 | 18,057,000 | 17,911,000 |
| Risk-weighted assets | 74,463,000 | 77,719,000 | 117,187,000 | 112,020,000 |
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