Call reports 2014
POINTS WEST COMMUNITY BANK — 2014
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 207,315,000 | 211,067,000 | 218,289,000 | 215,371,000 |
| Total loans | 112,315,000 | 117,085,000 | 126,775,000 | 133,231,000 |
| Allowance for loan losses | 2,066,000 | 2,141,000 | 2,201,000 | 2,444,000 |
| Securities available for sale | 78,914,000 | 80,685,000 | 75,018,000 | 67,894,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,367,000 | 171,710,000 | 177,460,000 | 175,194,000 |
| Interest-bearing deposits | 141,686,000 | 135,562,000 | 139,497,000 | 138,104,000 |
| Noninterest-bearing deposits | 34,681,000 | 36,148,000 | 37,963,000 | 37,090,000 |
| Equity capital | 20,578,000 | 20,942,000 | 21,149,000 | 21,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,244,000 | 4,660,000 | 7,076,000 | 9,526,000 |
| Interest expense | 195,000 | 385,000 | 582,000 | 807,000 |
| Net interest income | 2,049,000 | 4,275,000 | 6,494,000 | 8,719,000 |
| Noninterest income | 206,000 | 758,000 | 1,105,000 | 1,373,000 |
| Noninterest expense | 1,121,000 | 2,278,000 | 3,442,000 | 4,685,000 |
| Provision for loan losses | 30,000 | 190,000 | 210,000 | 475,000 |
| Pretax income | 1,104,000 | 2,587,000 | 3,988,000 | 4,975,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,104,000 | 2,587,000 | 3,988,000 | 4,975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,259,000 | 19,242,000 | 19,443,000 | 19,430,000 |
| Total capital | 20,763,000 | 20,807,000 | 21,112,000 | 21,167,000 |
| Risk-weighted assets | 119,746,000 | 124,595,000 | 132,948,000 | 138,246,000 |
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