Call reports 2014
WEST COAST COMMUNITY BANK — 2014
What WEST COAST COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 407,262,000 | 439,992,000 | 457,158,000 | 459,795,000 |
| Total loans | 278,751,000 | 293,798,000 | 297,651,000 | 316,907,000 |
| Allowance for loan losses | 5,827,000 | 6,025,000 | 6,213,000 | 6,398,000 |
| Securities available for sale | 0 | 0 | 11,209,000 | 11,160,000 |
| Securities held to maturity | 51,748,000 | 49,747,000 | 47,786,000 | 46,380,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,294,000 | 398,370,000 | 413,930,000 | 413,986,000 |
| Interest-bearing deposits | 201,940,000 | 217,335,000 | 220,045,000 | 222,197,000 |
| Noninterest-bearing deposits | 164,354,000 | 181,035,000 | 193,885,000 | 191,789,000 |
| Equity capital | 34,932,000 | 35,870,000 | 37,148,000 | 38,629,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,213,000 | 8,667,000 | 13,124,000 | 17,671,000 |
| Interest expense | 100,000 | 202,000 | 309,000 | 416,000 |
| Net interest income | 4,113,000 | 8,465,000 | 12,815,000 | 17,255,000 |
| Noninterest income | 911,000 | 1,691,000 | 2,629,000 | 3,311,000 |
| Noninterest expense | 3,432,000 | 6,715,000 | 9,841,000 | 12,661,000 |
| Provision for loan losses | 187,000 | 375,000 | 562,000 | 750,000 |
| Pretax income | 1,405,000 | 3,066,000 | 5,041,000 | 7,155,000 |
| Income tax | 536,000 | 1,177,000 | 1,945,000 | 2,784,000 |
| Net income | 869,000 | 1,889,000 | 3,096,000 | 4,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,449,000 | 36,393,000 | 37,715,000 | 38,996,000 |
| Total capital | 39,263,000 | 40,362,000 | 41,675,000 | 43,143,000 |
| Risk-weighted assets | 302,996,000 | 315,395,000 | 314,462,000 | 329,783,000 |