Call reports 2008
WEST COAST COMMUNITY BANK — 2008
What WEST COAST COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 187,861,000 | 191,764,000 | 217,097,000 | 228,871,000 |
| Total loans | 124,191,000 | 129,712,000 | 138,898,000 | 146,085,000 |
| Allowance for loan losses | 1,866,000 | 1,868,000 | 2,950,000 | 2,885,000 |
| Securities available for sale | 25,384,000 | 29,710,000 | 30,270,000 | 30,745,000 |
| Securities held to maturity | 996,000 | 940,000 | 892,000 | 847,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,307,000 | 170,523,000 | 196,219,000 | 207,196,000 |
| Interest-bearing deposits | 117,070,000 | 115,354,000 | 132,483,000 | 143,810,000 |
| Noninterest-bearing deposits | 49,237,000 | 55,170,000 | 63,736,000 | 63,386,000 |
| Equity capital | 19,430,000 | 19,016,000 | 18,577,000 | 18,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,787,000 | 5,501,000 | 8,407,000 | 11,454,000 |
| Interest expense | 799,000 | 1,527,000 | 2,178,000 | 2,776,000 |
| Net interest income | 1,988,000 | 3,974,000 | 6,229,000 | 8,678,000 |
| Noninterest income | 313,000 | 689,000 | 1,186,000 | 1,322,000 |
| Noninterest expense | 1,899,000 | 3,842,000 | 6,191,000 | 8,300,000 |
| Provision for loan losses | 78,000 | 156,000 | 1,576,000 | 1,676,000 |
| Pretax income | 324,000 | 665,000 | -352,000 | 24,000 |
| Income tax | 139,000 | 285,000 | -151,000 | 7,000 |
| Net income | 185,000 | 380,000 | -201,000 | 17,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,110,000 | 19,323,000 | 18,761,000 | 17,499,000 |
| Total capital | 20,976,000 | 21,191,000 | 20,883,000 | 19,679,000 |
| Risk-weighted assets | 151,985,000 | 156,463,000 | 168,951,000 | 173,674,000 |
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