Call reports 2019
POINTS WEST COMMUNITY BANK — 2019
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 255,375,000 | 255,786,000 | 253,752,000 | 259,886,000 |
| Total loans | 172,714,000 | 162,760,000 | 166,129,000 | 171,809,000 |
| Allowance for loan losses | 3,783,000 | 3,731,000 | 3,731,000 | 3,671,000 |
| Securities available for sale | 64,743,000 | 71,629,000 | 69,762,000 | 65,801,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,065,000 | 215,101,000 | 210,802,000 | 212,724,000 |
| Interest-bearing deposits | 156,504,000 | 158,191,000 | 157,556,000 | 154,463,000 |
| Noninterest-bearing deposits | 54,561,000 | 56,910,000 | 53,246,000 | 58,261,000 |
| Equity capital | 26,901,000 | 27,609,000 | 27,643,000 | 27,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,218,000 | 6,273,000 | 9,325,000 | 12,336,000 |
| Interest expense | 420,000 | 820,000 | 1,208,000 | 1,651,000 |
| Net interest income | 2,798,000 | 5,453,000 | 8,117,000 | 10,685,000 |
| Noninterest income | 286,000 | 471,000 | 650,000 | 705,000 |
| Noninterest expense | 1,487,000 | 2,972,000 | 4,556,000 | 6,386,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,597,000 | 2,952,000 | 4,211,000 | 5,004,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,597,000 | 2,952,000 | 4,211,000 | 5,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,902,000 | 25,657,000 | 25,517,000 | 25,310,000 |
| Total capital | 28,105,000 | 27,802,000 | 27,718,000 | 27,623,000 |
| Risk-weighted assets | 174,714,000 | 170,077,000 | 174,604,000 | 183,757,000 |