Call reports 2023
POINTS WEST COMMUNITY BANK — 2023
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 828,472,000 | 783,872,000 | 773,310,000 | 784,339,000 |
| Total loans | 385,295,000 | 399,578,000 | 406,670,000 | 430,332,000 |
| Allowance for loan losses | 7,596,000 | 7,593,000 | 7,272,000 | 7,377,000 |
| Securities available for sale | 320,934,000 | 313,098,000 | 302,415,000 | 303,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 752,096,000 | 707,583,000 | 701,019,000 | 684,382,000 |
| Interest-bearing deposits | 568,229,000 | 543,275,000 | 543,128,000 | 528,015,000 |
| Noninterest-bearing deposits | 183,867,000 | 164,308,000 | 157,891,000 | 156,367,000 |
| Equity capital | 51,788,000 | 49,123,000 | 43,971,000 | 52,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 8,215,000 | 16,821,000 | 25,267,000 | 34,125,000 |
| Interest expense | 1,527,000 | 3,571,000 | 5,894,000 | 8,502,000 |
| Net interest income | 6,688,000 | 13,250,000 | 19,373,000 | 25,623,000 |
| Noninterest income | 640,000 | 1,375,000 | 2,141,000 | 2,846,000 |
| Noninterest expense | 4,684,000 | 9,148,000 | 14,344,000 | 18,683,000 |
| Provision for loan losses | 0 | 0 | -322,000 | 100,000 |
| Pretax income | 2,644,000 | 5,477,000 | 7,492,000 | 9,686,000 |
| Income tax | 26,000 | 44,000 | 69,000 | 80,000 |
| Net income | 2,618,000 | 5,433,000 | 7,423,000 | 9,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,888,000 | 78,104,000 | 77,093,000 | 76,277,000 |