Call reports 2017
POINTS WEST COMMUNITY BANK — 2017
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 240,528,000 | 241,104,000 | 247,494,000 | 246,085,000 |
| Total loans | 157,796,000 | 164,149,000 | 171,977,000 | 174,585,000 |
| Allowance for loan losses | 3,012,000 | 2,987,000 | 3,220,000 | 3,302,000 |
| Securities available for sale | 57,820,000 | 62,772,000 | 59,159,000 | 54,199,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,567,000 | 198,473,000 | 199,032,000 | 205,659,000 |
| Interest-bearing deposits | 150,762,000 | 150,576,000 | 151,025,000 | 151,057,000 |
| Noninterest-bearing deposits | 51,805,000 | 47,897,000 | 48,007,000 | 54,602,000 |
| Equity capital | 23,433,000 | 24,567,000 | 24,901,000 | 24,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,619,000 | 5,408,000 | 8,342,000 | 11,311,000 |
| Interest expense | 270,000 | 562,000 | 896,000 | 1,228,000 |
| Net interest income | 2,349,000 | 4,846,000 | 7,446,000 | 10,083,000 |
| Noninterest income | 166,000 | 398,000 | 555,000 | 700,000 |
| Noninterest expense | 1,289,000 | 2,587,000 | 3,882,000 | 5,241,000 |
| Provision for loan losses | 90,000 | 360,000 | 591,000 | 666,000 |
| Pretax income | 1,136,000 | 2,297,000 | 3,537,000 | 4,885,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,136,000 | 2,297,000 | 3,537,000 | 4,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,199,000 | 22,861,000 | 23,300,000 | 23,448,000 |
| Total capital | 24,227,000 | 24,896,000 | 25,442,000 | 25,602,000 |
| Risk-weighted assets | 161,263,000 | 161,875,000 | 170,249,000 | 171,194,000 |