Call reports 2012
WEST COAST COMMUNITY BANK — 2012
What WEST COAST COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 325,678,000 | 341,348,000 | 352,001,000 | 356,352,000 |
| Total loans | 200,007,000 | 203,759,000 | 206,882,000 | 225,878,000 |
| Allowance for loan losses | 4,412,000 | 4,600,000 | 4,847,000 | 5,049,000 |
| Securities available for sale | 42,877,000 | 38,756,000 | 43,200,000 | 39,132,000 |
| Securities held to maturity | 264,000 | 232,000 | 204,000 | 177,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,348,000 | 310,084,000 | 319,347,000 | 321,590,000 |
| Interest-bearing deposits | 185,642,000 | 186,193,000 | 177,391,000 | 181,895,000 |
| Noninterest-bearing deposits | 109,706,000 | 123,891,000 | 141,956,000 | 139,695,000 |
| Equity capital | 26,968,000 | 27,769,000 | 29,120,000 | 29,850,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,367,000 | 6,777,000 | 10,225,000 | 13,782,000 |
| Interest expense | 121,000 | 241,000 | 352,000 | 461,000 |
| Net interest income | 3,246,000 | 6,536,000 | 9,873,000 | 13,321,000 |
| Noninterest income | 527,000 | 1,098,000 | 1,882,000 | 2,859,000 |
| Noninterest expense | 2,562,000 | 5,128,000 | 7,848,000 | 10,633,000 |
| Provision for loan losses | 300,000 | 600,000 | 794,000 | 994,000 |
| Pretax income | 911,000 | 1,908,000 | 3,115,000 | 4,555,000 |
| Income tax | 338,000 | 701,000 | 1,124,000 | 1,715,000 |
| Net income | 573,000 | 1,207,000 | 1,991,000 | 2,840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,973,000 | 27,636,000 | 28,861,000 | 29,849,000 |
| Total capital | 29,831,000 | 30,567,000 | 31,839,000 | 33,011,000 |
| Risk-weighted assets | 227,015,000 | 232,736,000 | 236,297,000 | 251,020,000 |