Call reports 2013
WEST COAST COMMUNITY BANK — 2013
What WEST COAST COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 366,909,000 | 381,152,000 | 403,101,000 | 398,578,000 |
| Total loans | 230,737,000 | 238,320,000 | 240,572,000 | 258,690,000 |
| Allowance for loan losses | 5,292,000 | 5,430,000 | 5,484,000 | 5,706,000 |
| Securities available for sale | 38,928,000 | 43,402,000 | 0 | 0 |
| Securities held to maturity | 153,000 | 132,000 | 55,730,000 | 53,266,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,655,000 | 344,931,000 | 366,085,000 | 360,240,000 |
| Interest-bearing deposits | 196,122,000 | 191,288,000 | 191,142,000 | 194,218,000 |
| Noninterest-bearing deposits | 135,533,000 | 153,643,000 | 174,943,000 | 166,022,000 |
| Equity capital | 30,581,000 | 30,725,000 | 31,597,000 | 32,776,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,584,000 | 7,307,000 | 11,131,000 | 15,107,000 |
| Interest expense | 108,000 | 214,000 | 315,000 | 414,000 |
| Net interest income | 3,476,000 | 7,093,000 | 10,816,000 | 14,693,000 |
| Noninterest income | 789,000 | 1,612,000 | 2,354,000 | 3,299,000 |
| Noninterest expense | 2,860,000 | 5,826,000 | 8,896,000 | 12,487,000 |
| Provision for loan losses | 150,000 | 300,000 | 362,000 | 488,000 |
| Pretax income | 1,287,000 | 2,611,000 | 3,944,000 | 5,049,000 |
| Income tax | 488,000 | 987,000 | 1,490,000 | 1,737,000 |
| Net income | 799,000 | 1,624,000 | 2,454,000 | 3,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,662,000 | 31,416,000 | 32,308,000 | 33,286,000 |
| Total capital | 33,926,000 | 34,829,000 | 35,729,000 | 36,853,000 |
| Risk-weighted assets | 259,003,000 | 270,988,000 | 271,476,000 | 283,097,000 |