Call reports 2024
POINTS WEST COMMUNITY BANK — 2024
What POINTS WEST COMMUNITY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 806,614,000 | 813,001,000 | 811,735,000 | 814,262,000 |
| Total loans | 443,749,000 | 447,517,000 | 457,350,000 | 489,270,000 |
| Allowance for loan losses | 7,783,000 | 8,008,000 | 8,196,000 | 8,332,000 |
| Securities available for sale | 296,857,000 | 306,048,000 | 308,293,000 | 274,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 695,443,000 | 699,820,000 | 695,937,000 | 682,588,000 |
| Interest-bearing deposits | 539,869,000 | 543,003,000 | 540,949,000 | 528,932,000 |
| Noninterest-bearing deposits | 155,574,000 | 156,817,000 | 154,988,000 | 153,656,000 |
| Equity capital | 51,719,000 | 52,877,000 | 62,556,000 | 56,175,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 9,127,000 | 18,809,000 | 28,653,000 | 38,726,000 |
| Interest expense | 3,097,000 | 6,547,000 | 10,015,000 | 13,464,000 |
| Net interest income | 6,030,000 | 12,262,000 | 18,638,000 | 25,262,000 |
| Noninterest income | 690,000 | 1,425,000 | 2,272,000 | 3,037,000 |
| Noninterest expense | 4,917,000 | 9,576,000 | 14,512,000 | 19,308,000 |
| Provision for loan losses | 400,000 | 624,000 | 812,000 | 962,000 |
| Pretax income | 1,653,000 | 3,961,000 | 6,248,000 | 8,682,000 |
| Income tax | 24,000 | 50,000 | 75,000 | 64,000 |
| Net income | 1,629,000 | 3,911,000 | 6,173,000 | 8,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,406,000 | 76,537,000 | 76,700,000 | 77,495,000 |