Call reports 2015
POINTS WEST COMMUNITY BANK — 2015
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 220,239,000 | 215,306,000 | 220,547,000 | 225,066,000 |
| Total loans | 129,824,000 | 126,845,000 | 138,245,000 | 147,481,000 |
| Allowance for loan losses | 2,469,000 | 2,483,000 | 2,523,000 | 2,611,000 |
| Securities available for sale | 66,516,000 | 72,332,000 | 69,131,000 | 64,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,792,000 | 176,738,000 | 178,016,000 | 180,581,000 |
| Interest-bearing deposits | 145,283,000 | 138,277,000 | 139,233,000 | 140,814,000 |
| Noninterest-bearing deposits | 37,509,000 | 38,461,000 | 38,783,000 | 39,767,000 |
| Equity capital | 21,828,000 | 21,612,000 | 21,662,000 | 21,995,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,494,000 | 4,893,000 | 7,527,000 | 9,959,000 |
| Interest expense | 220,000 | 466,000 | 705,000 | 955,000 |
| Net interest income | 2,274,000 | 4,427,000 | 6,822,000 | 9,004,000 |
| Noninterest income | 296,000 | 501,000 | 694,000 | 835,000 |
| Noninterest expense | 1,220,000 | 2,380,000 | 3,537,000 | 4,755,000 |
| Provision for loan losses | 23,000 | 23,000 | 116,000 | 200,000 |
| Pretax income | 1,327,000 | 2,525,000 | 3,863,000 | 4,885,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,327,000 | 2,525,000 | 3,863,000 | 4,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,756,000 | 19,955,000 | 19,892,000 | 20,215,000 |
| Total capital | 21,434,000 | 21,572,000 | 21,614,000 | 22,022,000 |
| Risk-weighted assets | 134,201,000 | 128,527,000 | 136,930,000 | 143,768,000 |