Call reports 2009
WESTSIDE STATE BANK — 2009
What WESTSIDE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 55,659,000 | 55,858,000 | 58,938,000 | 63,654,000 |
| Total loans | 42,929,000 | 44,788,000 | 45,521,000 | 44,185,000 |
| Allowance for loan losses | 387,000 | 413,000 | 413,000 | 413,000 |
| Securities available for sale | 5,847,000 | 5,422,000 | 7,613,000 | 12,265,000 |
| Securities held to maturity | 101,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,810,000 | 47,635,000 | 48,933,000 | 53,920,000 |
| Interest-bearing deposits | 38,415,000 | 39,243,000 | 40,238,000 | 44,658,000 |
| Noninterest-bearing deposits | 8,396,000 | 8,392,000 | 8,695,000 | 9,262,000 |
| Equity capital | 5,602,000 | 5,439,000 | 5,762,000 | 5,987,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 796,000 | 1,599,000 | 2,431,000 | 3,274,000 |
| Interest expense | 197,000 | 375,000 | 550,000 | 719,000 |
| Net interest income | 599,000 | 1,224,000 | 1,881,000 | 2,555,000 |
| Noninterest income | 52,000 | 138,000 | 117,000 | 179,000 |
| Noninterest expense | 374,000 | 849,000 | 1,130,000 | 1,508,000 |
| Provision for loan losses | 50,000 | 82,000 | 82,000 | 82,000 |
| Pretax income | 458,000 | 662,000 | 1,017,000 | 1,376,000 |
| Income tax | 11,000 | 22,000 | 36,000 | 67,000 |
| Net income | 447,000 | 640,000 | 981,000 | 1,309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,676,000 | 4,528,000 | 4,852,000 | 5,180,000 |
| Total capital | 5,052,000 | 4,914,000 | 5,265,000 | 5,578,000 |
| Risk-weighted assets | 37,567,000 | 38,557,000 | 39,142,000 | 39,214,000 |
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