Call reports 2021
POINTS WEST COMMUNITY BANK — 2021
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 821,637,000 | 826,435,000 | 822,603,000 | 833,535,000 |
| Total loans | 402,619,000 | 392,964,000 | 372,149,000 | 374,490,000 |
| Allowance for loan losses | 7,939,000 | 7,939,000 | 7,985,000 | 7,971,000 |
| Securities available for sale | 279,074,000 | 308,429,000 | 323,717,000 | 329,235,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 704,469,000 | 703,367,000 | 701,404,000 | 716,290,000 |
| Interest-bearing deposits | 526,425,000 | 517,114,000 | 516,497,000 | 524,889,000 |
| Noninterest-bearing deposits | 178,044,000 | 186,253,000 | 184,907,000 | 191,401,000 |
| Equity capital | 78,555,000 | 82,828,000 | 84,669,000 | 81,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 7,053,000 | 15,012,000 | 22,625,000 | 29,209,000 |
| Interest expense | 561,000 | 1,032,000 | 1,452,000 | 1,842,000 |
| Net interest income | 6,492,000 | 13,980,000 | 21,173,000 | 27,367,000 |
| Noninterest income | 552,000 | 1,141,000 | 1,789,000 | 2,411,000 |
| Noninterest expense | 4,276,000 | 8,410,000 | 12,788,000 | 16,954,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,768,000 | 6,711,000 | 10,174,000 | 12,824,000 |
| Income tax | 26,000 | 53,000 | 81,000 | 105,000 |
| Net income | 2,742,000 | 6,658,000 | 10,093,000 | 12,719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,251,000 | 74,167,000 | 75,102,000 | 74,977,000 |
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