Call reports 2007
WEST COAST COMMUNITY BANK — 2007
What WEST COAST COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 140,316,000 | 145,866,000 | 153,165,000 | 160,239,000 |
| Total loans | 80,140,000 | 94,623,000 | 104,145,000 | 118,957,000 |
| Allowance for loan losses | 1,276,000 | 1,463,000 | 1,615,000 | 1,788,000 |
| Securities available for sale | 13,536,000 | 18,260,000 | 15,291,000 | 19,900,000 |
| Securities held to maturity | 1,210,000 | 1,156,000 | 1,100,000 | 1,048,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,505,000 | 125,826,000 | 132,422,000 | 139,009,000 |
| Interest-bearing deposits | 88,018,000 | 87,570,000 | 88,662,000 | 94,808,000 |
| Noninterest-bearing deposits | 32,487,000 | 38,256,000 | 43,760,000 | 44,201,000 |
| Equity capital | 17,822,000 | 18,046,000 | 18,542,000 | 18,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,421,000 | 5,067,000 | 7,950,000 | 10,864,000 |
| Interest expense | 689,000 | 1,445,000 | 2,214,000 | 2,908,000 |
| Net interest income | 1,732,000 | 3,622,000 | 5,736,000 | 7,956,000 |
| Noninterest income | 249,000 | 511,000 | 809,000 | 1,130,000 |
| Noninterest expense | 1,598,000 | 3,182,000 | 4,992,000 | 6,862,000 |
| Provision for loan losses | 72,000 | 187,000 | 346,000 | 512,000 |
| Pretax income | 311,000 | 764,000 | 1,207,000 | 1,712,000 |
| Income tax | 140,000 | 336,000 | 515,000 | 732,000 |
| Net income | 171,000 | 428,000 | 692,000 | 980,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,236,000 | 18,574,000 | 18,898,000 | 18,908,000 |
| Total capital | 19,512,000 | 20,037,000 | 20,513,000 | 20,696,000 |
| Risk-weighted assets | 108,735,000 | 122,809,000 | 134,716,000 | 146,428,000 |
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