Call reports 2008
WESTSIDE STATE BANK — 2008
What WESTSIDE STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 56,765,000 | 57,776,000 | 57,371,000 | 58,367,000 |
| Total loans | 42,278,000 | 44,349,000 | 44,987,000 | 43,237,000 |
| Allowance for loan losses | 349,000 | 376,000 | 338,000 | 337,000 |
| Securities available for sale | 6,312,000 | 6,387,000 | 7,329,000 | 7,330,000 |
| Securities held to maturity | 107,000 | 617,000 | 714,000 | 714,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,580,000 | 48,285,000 | 47,525,000 | 48,671,000 |
| Interest-bearing deposits | 38,937,000 | 40,886,000 | 39,410,000 | 40,207,000 |
| Noninterest-bearing deposits | 7,643,000 | 7,399,000 | 8,115,000 | 8,464,000 |
| Equity capital | 4,938,000 | 5,015,000 | 5,301,000 | 5,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 892,000 | 1,765,000 | 2,631,000 | 3,497,000 |
| Interest expense | 378,000 | 706,000 | 990,000 | 1,236,000 |
| Net interest income | 514,000 | 1,059,000 | 1,641,000 | 2,261,000 |
| Noninterest income | 43,000 | 86,000 | 138,000 | 202,000 |
| Noninterest expense | 360,000 | 693,000 | 1,053,000 | 1,499,000 |
| Provision for loan losses | 0 | 30,000 | 30,000 | 30,000 |
| Pretax income | 197,000 | 422,000 | 696,000 | 934,000 |
| Income tax | 10,000 | 21,000 | 31,000 | 41,000 |
| Net income | 187,000 | 401,000 | 665,000 | 893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,940,000 | 4,157,000 | 4,422,000 | 4,649,000 |
| Total capital | 4,270,000 | 4,519,000 | 4,744,000 | 4,974,000 |
| Risk-weighted assets | 39,341,000 | 40,494,000 | 40,530,000 | 40,595,000 |
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