Call reports 2004
WEST COAST COMMUNITY BANK — 2004
What WEST COAST COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 20,021,000 | 32,885,000 | 41,582,000 | 44,893,000 |
| Total loans | 3,391,000 | 15,262,000 | 24,781,000 | 32,358,000 |
| Allowance for loan losses | 36,000 | 159,000 | 294,000 | 407,000 |
| Securities available for sale | 3,022,000 | 4,851,000 | 4,825,000 | 3,705,000 |
| Securities held to maturity | 2,017,000 | 1,941,000 | 1,877,000 | 1,813,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,827,000 | 21,263,000 | 30,186,000 | 33,795,000 |
| Interest-bearing deposits | 5,514,000 | 17,041,000 | 21,249,000 | 25,321,000 |
| Noninterest-bearing deposits | 2,313,000 | 4,222,000 | 8,937,000 | 8,474,000 |
| Equity capital | 12,153,000 | 11,552,000 | 11,275,000 | 10,921,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 50,000 | 275,000 | 711,000 | 1,294,000 |
| Interest expense | 4,000 | 28,000 | 74,000 | 137,000 |
| Net interest income | 46,000 | 247,000 | 637,000 | 1,157,000 |
| Noninterest income | 3,000 | 41,000 | 84,000 | 156,000 |
| Noninterest expense | 991,000 | 1,630,000 | 2,289,000 | 3,105,000 |
| Provision for loan losses | 36,000 | 159,000 | 294,000 | 407,000 |
| Pretax income | -978,000 | -1,501,000 | -1,862,000 | -2,179,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -978,000 | -1,502,000 | -1,863,000 | -2,180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,146,000 | 11,621,000 | 11,260,000 | 10,943,000 |
| Total capital | 12,182,000 | 11,780,000 | 11,554,000 | 11,350,000 |
| Risk-weighted assets | 10,711,000 | 23,125,000 | 34,977,000 | 41,189,000 |
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