Call reports 2022
POINTS WEST COMMUNITY BANK — 2022
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 852,568,000 | 824,188,000 | 817,752,000 | 824,071,000 |
| Total loans | 381,509,000 | 388,963,000 | 392,183,000 | 400,172,000 |
| Allowance for loan losses | 7,977,000 | 8,008,000 | 8,233,000 | 8,234,000 |
| Securities available for sale | 336,040,000 | 321,489,000 | 323,142,000 | 315,529,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 750,254,000 | 737,566,000 | 741,217,000 | 749,301,000 |
| Interest-bearing deposits | 548,180,000 | 534,614,000 | 536,721,000 | 542,957,000 |
| Noninterest-bearing deposits | 202,074,000 | 202,952,000 | 204,496,000 | 206,344,000 |
| Equity capital | 66,677,000 | 53,054,000 | 46,379,000 | 49,269,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 6,275,000 | 12,975,000 | 20,465,000 | 28,399,000 |
| Interest expense | 364,000 | 726,000 | 1,194,000 | 2,081,000 |
| Net interest income | 5,911,000 | 12,249,000 | 19,271,000 | 26,318,000 |
| Noninterest income | 568,000 | 1,205,000 | 1,894,000 | 2,555,000 |
| Noninterest expense | 4,416,000 | 8,523,000 | 13,084,000 | 17,387,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,063,000 | 4,931,000 | 8,081,000 | 11,486,000 |
| Income tax | 27,000 | 54,000 | 81,000 | 92,000 |
| Net income | 2,036,000 | 4,877,000 | 8,000,000 | 11,394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,014,000 | 79,854,000 | 77,978,000 | 77,371,000 |