Call reports 2015
WEST COAST COMMUNITY BANK — 2015
What WEST COAST COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 474,535,000 | 500,494,000 | 523,666,000 | 513,337,000 |
| Total loans | 330,660,000 | 338,479,000 | 344,776,000 | 359,740,000 |
| Allowance for loan losses | 6,560,000 | 6,813,000 | 7,004,000 | 7,362,000 |
| Securities available for sale | 11,187,000 | 10,942,000 | 10,839,000 | 10,636,000 |
| Securities held to maturity | 45,102,000 | 43,005,000 | 41,372,000 | 39,217,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 428,120,000 | 452,439,000 | 473,897,000 | 461,235,000 |
| Interest-bearing deposits | 254,546,000 | 258,663,000 | 245,475,000 | 252,299,000 |
| Noninterest-bearing deposits | 173,574,000 | 193,776,000 | 228,422,000 | 208,936,000 |
| Equity capital | 40,012,000 | 41,226,000 | 42,592,000 | 44,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,707,000 | 9,754,000 | 14,812,000 | 19,930,000 |
| Interest expense | 111,000 | 225,000 | 341,000 | 458,000 |
| Net interest income | 4,596,000 | 9,529,000 | 14,471,000 | 19,472,000 |
| Noninterest income | 908,000 | 1,959,000 | 2,324,000 | 2,833,000 |
| Noninterest expense | 3,290,000 | 6,816,000 | 9,656,000 | 12,495,000 |
| Provision for loan losses | 187,000 | 375,000 | 563,000 | 920,000 |
| Pretax income | 2,027,000 | 4,297,000 | 6,576,000 | 8,891,000 |
| Income tax | 777,000 | 1,696,000 | 2,596,000 | 3,457,000 |
| Net income | 1,250,000 | 2,601,000 | 3,980,000 | 5,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,291,000 | 41,568,000 | 42,887,000 | 44,396,000 |
| Total capital | 44,590,000 | 45,975,000 | 47,342,000 | 48,925,000 |
| Risk-weighted assets | 341,564,000 | 350,036,000 | 353,907,000 | 359,396,000 |