Call reports 2009
WEST COAST COMMUNITY BANK — 2009
What WEST COAST COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 236,421,000 | 241,166,000 | 262,035,000 | 265,105,000 |
| Total loans | 139,812,000 | 153,015,000 | 149,943,000 | 156,399,000 |
| Allowance for loan losses | 2,876,000 | 2,574,000 | 2,545,000 | 2,898,000 |
| Securities available for sale | 30,080,000 | 26,620,000 | 32,916,000 | 32,387,000 |
| Securities held to maturity | 800,000 | 743,000 | 686,000 | 641,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,516,000 | 218,707,000 | 239,204,000 | 239,304,000 |
| Interest-bearing deposits | 149,431,000 | 155,360,000 | 163,488,000 | 163,409,000 |
| Noninterest-bearing deposits | 65,085,000 | 63,346,000 | 75,716,000 | 75,895,000 |
| Equity capital | 18,974,000 | 19,053,000 | 19,453,000 | 19,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,767,000 | 5,637,000 | 8,586,000 | 11,612,000 |
| Interest expense | 466,000 | 851,000 | 1,228,000 | 1,591,000 |
| Net interest income | 2,301,000 | 4,786,000 | 7,358,000 | 10,021,000 |
| Noninterest income | 334,000 | 796,000 | 1,335,000 | 1,869,000 |
| Noninterest expense | 2,476,000 | 5,194,000 | 7,817,000 | 10,389,000 |
| Provision for loan losses | 120,000 | 298,000 | 700,000 | 1,250,000 |
| Pretax income | 39,000 | 146,000 | 232,000 | 362,000 |
| Income tax | 16,000 | 57,000 | 100,000 | 159,000 |
| Net income | 23,000 | 89,000 | 132,000 | 203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,164,000 | 18,252,000 | 18,341,000 | 19,521,000 |
| Total capital | 20,454,000 | 20,622,000 | 20,757,000 | 21,892,000 |
| Risk-weighted assets | 182,594,000 | 189,412,000 | 193,148,000 | 189,191,000 |
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