Call reports 2006
WEST COAST COMMUNITY BANK — 2006
What WEST COAST COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 105,809,000 | 116,332,000 | 125,142,000 | 132,461,000 |
| Total loans | 78,565,000 | 81,027,000 | 82,227,000 | 82,294,000 |
| Allowance for loan losses | 1,025,000 | 1,138,000 | 1,206,000 | 1,276,000 |
| Securities available for sale | 15,939,000 | 15,723,000 | 20,705,000 | 18,625,000 |
| Securities held to maturity | 1,453,000 | 1,390,000 | 1,324,000 | 1,264,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,314,000 | 99,397,000 | 107,432,000 | 112,982,000 |
| Interest-bearing deposits | 61,375,000 | 70,752,000 | 74,391,000 | 79,288,000 |
| Noninterest-bearing deposits | 27,939,000 | 28,645,000 | 33,041,000 | 33,694,000 |
| Equity capital | 15,800,000 | 16,159,000 | 16,784,000 | 17,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,815,000 | 3,906,000 | 6,291,000 | 8,693,000 |
| Interest expense | 383,000 | 854,000 | 1,424,000 | 2,040,000 |
| Net interest income | 1,432,000 | 3,052,000 | 4,867,000 | 6,653,000 |
| Noninterest income | 179,000 | 413,000 | 552,000 | 771,000 |
| Noninterest expense | 1,291,000 | 2,640,000 | 4,057,000 | 5,507,000 |
| Provision for loan losses | 185,000 | 298,000 | 366,000 | 436,000 |
| Pretax income | 135,000 | 527,000 | 996,000 | 1,481,000 |
| Income tax | 0 | 1,000 | 1,000 | -687,000 |
| Net income | 135,000 | 526,000 | 995,000 | 2,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,991,000 | 16,411,000 | 16,908,000 | 18,037,000 |
| Total capital | 17,016,000 | 17,549,000 | 18,114,000 | 19,313,000 |
| Risk-weighted assets | 95,594,000 | 99,642,000 | 104,081,000 | 108,391,000 |
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