Call reports 2010
WEST COAST COMMUNITY BANK — 2010
What WEST COAST COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 268,422,000 | 280,305,000 | 293,135,000 | 284,906,000 |
| Total loans | 156,598,000 | 166,714,000 | 166,800,000 | 181,390,000 |
| Allowance for loan losses | 3,102,000 | 3,296,000 | 3,515,000 | 3,559,000 |
| Securities available for sale | 31,116,000 | 30,488,000 | 35,112,000 | 25,791,000 |
| Securities held to maturity | 591,000 | 544,000 | 497,000 | 452,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,217,000 | 253,314,000 | 265,159,000 | 253,416,000 |
| Interest-bearing deposits | 165,011,000 | 167,837,000 | 169,246,000 | 159,089,000 |
| Noninterest-bearing deposits | 78,206,000 | 85,477,000 | 95,913,000 | 94,327,000 |
| Equity capital | 19,940,000 | 20,464,000 | 20,968,000 | 23,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,041,000 | 6,242,000 | 9,409,000 | 12,653,000 |
| Interest expense | 300,000 | 559,000 | 778,000 | 969,000 |
| Net interest income | 2,741,000 | 5,683,000 | 8,631,000 | 11,684,000 |
| Noninterest income | 372,000 | 904,000 | 1,532,000 | 2,168,000 |
| Noninterest expense | 2,508,000 | 5,113,000 | 7,636,000 | 10,252,000 |
| Provision for loan losses | 246,000 | 551,000 | 851,000 | 1,200,000 |
| Pretax income | 463,000 | 1,100,000 | 1,853,000 | 2,997,000 |
| Income tax | 195,000 | 463,000 | 763,000 | 1,174,000 |
| Net income | 268,000 | 637,000 | 1,090,000 | 1,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,831,000 | 20,242,000 | 20,737,000 | 23,862,000 |
| Total capital | 22,042,000 | 22,547,000 | 23,045,000 | 26,304,000 |
| Risk-weighted assets | 177,764,000 | 183,377,000 | 183,382,000 | 194,964,000 |
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