Call reports 2007
WESTSIDE STATE BANK — 2007
What WESTSIDE STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 52,954,000 | 51,961,000 | 53,857,000 | 55,275,000 |
| Total loans | 39,042,000 | 40,733,000 | 43,010,000 | 43,505,000 |
| Allowance for loan losses | 410,000 | 482,000 | 479,000 | 375,000 |
| Securities available for sale | 6,893,000 | 7,349,000 | 6,966,000 | 6,981,000 |
| Securities held to maturity | 107,000 | 109,000 | 108,000 | 108,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,652,000 | 41,318,000 | 41,609,000 | 44,251,000 |
| Interest-bearing deposits | 35,527,000 | 34,939,000 | 35,187,000 | 37,338,000 |
| Noninterest-bearing deposits | 7,125,000 | 6,379,000 | 6,422,000 | 6,913,000 |
| Equity capital | 4,643,000 | 4,724,000 | 5,007,000 | 5,281,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 849,000 | 1,717,000 | 2,616,000 | 3,541,000 |
| Interest expense | 379,000 | 760,000 | 1,162,000 | 1,561,000 |
| Net interest income | 470,000 | 957,000 | 1,454,000 | 1,980,000 |
| Noninterest income | 78,000 | 140,000 | 177,000 | 237,000 |
| Noninterest expense | 372,000 | 726,000 | 1,070,000 | 1,458,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 176,000 | 321,000 | 511,000 | 709,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 40,000 |
| Net income | 164,000 | 297,000 | 475,000 | 669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,922,000 | 4,055,000 | 4,232,000 | 4,426,000 |
| Total capital | 4,295,000 | 4,439,000 | 4,642,000 | 4,782,000 |
| Risk-weighted assets | 35,855,000 | 36,898,000 | 39,347,000 | 39,591,000 |
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