Call reports 2012
POINTS WEST COMMUNITY BANK — 2012
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 199,707,000 | 198,511,000 | 195,427,000 | 201,998,000 |
| Total loans | 98,149,000 | 97,979,000 | 98,736,000 | 102,296,000 |
| Allowance for loan losses | 1,872,000 | 1,874,000 | 1,881,000 | 1,912,000 |
| Securities available for sale | 87,859,000 | 87,282,000 | 84,233,000 | 84,409,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,680,000 | 168,503,000 | 164,995,000 | 173,562,000 |
| Interest-bearing deposits | 141,814,000 | 140,155,000 | 136,431,000 | 136,383,000 |
| Noninterest-bearing deposits | 30,866,000 | 28,348,000 | 28,564,000 | 37,179,000 |
| Equity capital | 20,052,000 | 20,647,000 | 21,102,000 | 20,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,370,000 | 4,714,000 | 7,220,000 | 9,783,000 |
| Interest expense | 286,000 | 541,000 | 790,000 | 998,000 |
| Net interest income | 2,084,000 | 4,173,000 | 6,430,000 | 8,785,000 |
| Noninterest income | 726,000 | 1,596,000 | 1,936,000 | 2,676,000 |
| Noninterest expense | 1,240,000 | 2,415,000 | 3,375,000 | 4,747,000 |
| Provision for loan losses | 104,000 | 534,000 | 546,000 | 797,000 |
| Pretax income | 1,469,000 | 2,823,000 | 4,448,000 | 5,920,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,469,000 | 2,823,000 | 4,448,000 | 5,920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,532,000 | 17,895,000 | 17,927,000 | 18,207,000 |
| Total capital | 18,892,000 | 19,257,000 | 19,291,000 | 19,615,000 |
| Risk-weighted assets | 108,250,000 | 108,454,000 | 108,596,000 | 112,145,000 |