Call reports 2005
WESTSIDE STATE BANK — 2005
What WESTSIDE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 47,656,000 | 48,018,000 | 47,945,000 | 51,039,000 |
| Total loans | 35,347,000 | 38,990,000 | 38,716,000 | 38,239,000 |
| Allowance for loan losses | 428,000 | 466,000 | 467,000 | 469,000 |
| Securities available for sale | 5,602,000 | 6,070,000 | 5,515,000 | 7,228,000 |
| Securities held to maturity | 20,000 | 20,000 | 20,000 | 20,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,731,000 | 36,246,000 | 37,726,000 | 40,775,000 |
| Interest-bearing deposits | 30,467,000 | 29,791,000 | 32,116,000 | 33,305,000 |
| Noninterest-bearing deposits | 6,264,000 | 6,455,000 | 5,610,000 | 7,470,000 |
| Equity capital | 4,669,000 | 4,577,000 | 4,720,000 | 4,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 680,000 | 1,361,000 | 2,095,000 | 2,875,000 |
| Interest expense | 179,000 | 365,000 | 571,000 | 808,000 |
| Net interest income | 501,000 | 996,000 | 1,524,000 | 2,067,000 |
| Noninterest income | 60,000 | 116,000 | 183,000 | 247,000 |
| Noninterest expense | 337,000 | 651,000 | 972,000 | 1,310,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 222,000 | 409,000 | 683,000 | 956,000 |
| Income tax | 80,000 | 166,000 | 264,000 | 338,000 |
| Net income | 142,000 | 243,000 | 419,000 | 618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,925,000 | 3,826,000 | 4,001,000 | 3,894,000 |
| Total capital | 4,317,000 | 4,247,000 | 4,429,000 | 4,311,000 |
| Risk-weighted assets | 31,303,000 | 33,493,000 | 34,194,000 | 33,288,000 |
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