Call reports 2013
POINTS WEST COMMUNITY BANK — 2013
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 207,850,000 | 202,898,000 | 204,583,000 | 207,829,000 |
| Total loans | 101,287,000 | 103,507,000 | 106,153,000 | 111,575,000 |
| Allowance for loan losses | 1,923,000 | 1,951,000 | 2,050,000 | 2,047,000 |
| Securities available for sale | 89,459,000 | 87,362,000 | 85,204,000 | 80,753,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,965,000 | 174,556,000 | 175,678,000 | 173,159,000 |
| Interest-bearing deposits | 143,635,000 | 138,552,000 | 141,225,000 | 138,268,000 |
| Noninterest-bearing deposits | 36,330,000 | 36,004,000 | 34,453,000 | 34,891,000 |
| Equity capital | 20,933,000 | 19,856,000 | 19,891,000 | 20,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,145,000 | 4,458,000 | 6,685,000 | 8,913,000 |
| Interest expense | 195,000 | 403,000 | 610,000 | 818,000 |
| Net interest income | 1,950,000 | 4,055,000 | 6,075,000 | 8,095,000 |
| Noninterest income | 203,000 | 540,000 | 1,014,000 | 1,440,000 |
| Noninterest expense | 1,092,000 | 2,254,000 | 3,366,000 | 4,600,000 |
| Provision for loan losses | 16,000 | 63,000 | 63,000 | 63,000 |
| Pretax income | 1,045,000 | 2,278,000 | 3,660,000 | 4,872,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,045,000 | 2,278,000 | 3,660,000 | 4,872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,310,000 | 18,602,000 | 18,890,000 | 19,155,000 |
| Total capital | 19,765,000 | 19,991,000 | 20,300,000 | 20,651,000 |
| Risk-weighted assets | 115,896,000 | 110,530,000 | 112,176,000 | 119,106,000 |
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