Call reports 2016
POINTS WEST COMMUNITY BANK — 2016
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 221,640,000 | 225,020,000 | 224,831,000 | 229,295,000 |
| Total loans | 144,132,000 | 151,796,000 | 154,050,000 | 156,899,000 |
| Allowance for loan losses | 2,714,000 | 2,715,000 | 2,823,000 | 2,918,000 |
| Securities available for sale | 62,411,000 | 60,709,000 | 57,991,000 | 54,009,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,343,000 | 182,530,000 | 183,927,000 | 192,291,000 |
| Interest-bearing deposits | 141,700,000 | 137,773,000 | 141,145,000 | 145,185,000 |
| Noninterest-bearing deposits | 40,643,000 | 44,757,000 | 42,782,000 | 47,106,000 |
| Equity capital | 22,074,000 | 23,004,000 | 23,459,000 | 22,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,634,000 | 5,137,000 | 7,867,000 | 10,412,000 |
| Interest expense | 280,000 | 559,000 | 832,000 | 1,094,000 |
| Net interest income | 2,354,000 | 4,578,000 | 7,035,000 | 9,318,000 |
| Noninterest income | 160,000 | 360,000 | 585,000 | 733,000 |
| Noninterest expense | 1,215,000 | 2,460,000 | 3,717,000 | 5,034,000 |
| Provision for loan losses | 99,000 | 99,000 | 218,000 | 309,000 |
| Pretax income | 1,200,000 | 2,379,000 | 3,685,000 | 4,708,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,200,000 | 2,379,000 | 3,685,000 | 4,708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,014,000 | 20,693,000 | 21,250,000 | 21,473,000 |
| Total capital | 21,795,000 | 22,561,000 | 23,185,000 | 23,471,000 |
| Risk-weighted assets | 141,545,000 | 148,564,000 | 153,889,000 | 158,905,000 |