Call reports 2005
WEST COAST COMMUNITY BANK — 2005
What WEST COAST COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 59,187,000 | 67,012,000 | 88,122,000 | 97,528,000 |
| Total loans | 37,537,000 | 47,524,000 | 54,903,000 | 64,405,000 |
| Allowance for loan losses | 485,000 | 597,000 | 713,000 | 840,000 |
| Securities available for sale | 3,535,000 | 4,435,000 | 10,235,000 | 14,945,000 |
| Securities held to maturity | 1,746,000 | 1,677,000 | 1,592,000 | 1,517,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,405,000 | 56,287,000 | 72,296,000 | 81,685,000 |
| Interest-bearing deposits | 35,688,000 | 36,325,000 | 47,348,000 | 59,324,000 |
| Noninterest-bearing deposits | 12,717,000 | 19,962,000 | 24,948,000 | 22,361,000 |
| Equity capital | 10,527,000 | 10,390,000 | 15,386,000 | 15,348,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 731,000 | 1,677,000 | 2,980,000 | 4,525,000 |
| Interest expense | 110,000 | 260,000 | 456,000 | 744,000 |
| Net interest income | 621,000 | 1,417,000 | 2,524,000 | 3,781,000 |
| Noninterest income | 83,000 | 226,000 | 315,000 | 407,000 |
| Noninterest expense | 973,000 | 1,968,000 | 2,993,000 | 4,169,000 |
| Provision for loan losses | 78,000 | 190,000 | 306,000 | 433,000 |
| Pretax income | -347,000 | -515,000 | -460,000 | -414,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -347,000 | -516,000 | -461,000 | -415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,600,000 | 10,431,000 | 15,451,000 | 15,497,000 |
| Total capital | 11,085,000 | 11,028,000 | 16,164,000 | 16,337,000 |
| Risk-weighted assets | 49,095,000 | 58,716,000 | 69,060,000 | 82,699,000 |
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