Call reports 2020
POINTS WEST COMMUNITY BANK — 2020
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 681,370,000 | 755,102,000 | 753,688,000 | 789,027,000 |
| Total loans | 394,433,000 | 448,856,000 | 440,568,000 | 413,951,000 |
| Allowance for loan losses | 8,142,000 | 8,147,000 | 7,858,000 | 7,937,000 |
| Securities available for sale | 237,600,000 | 239,563,000 | 226,850,000 | 262,095,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 579,320,000 | 637,698,000 | 635,213,000 | 664,712,000 |
| Interest-bearing deposits | 451,129,000 | 487,983,000 | 484,136,000 | 505,011,000 |
| Noninterest-bearing deposits | 128,191,000 | 149,715,000 | 151,077,000 | 159,701,000 |
| Equity capital | 67,804,000 | 77,162,000 | 77,909,000 | 79,487,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 8,374,000 | 15,311,000 | 21,988,000 | 30,431,000 |
| Interest expense | 1,028,000 | 1,932,000 | 2,720,000 | 3,401,000 |
| Net interest income | 7,346,000 | 13,379,000 | 19,268,000 | 27,030,000 |
| Noninterest income | 455,000 | 889,000 | 1,815,000 | 2,072,000 |
| Noninterest expense | 4,193,000 | 8,034,000 | 12,449,000 | 16,564,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 3,612,000 | 6,238,000 | 8,638,000 | 12,342,000 |
| Income tax | 23,000 | 48,000 | 72,000 | 100,000 |
| Net income | 3,589,000 | 6,190,000 | 8,566,000 | 12,242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,155,000 | 65,656,000 | 65,932,000 | 67,509,000 |