Call reports 2012
WESTSIDE STATE BANK — 2012
What WESTSIDE STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 73,176,000 | 73,665,000 | 73,002,000 | 75,394,000 |
| Total loans | 53,492,000 | 56,808,000 | 55,978,000 | 58,679,000 |
| Allowance for loan losses | 614,000 | 576,000 | 590,000 | 602,000 |
| Securities available for sale | 6,676,000 | 6,644,000 | 5,638,000 | 5,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,349,000 | 62,698,000 | 63,191,000 | 64,553,000 |
| Interest-bearing deposits | 50,196,000 | 50,757,000 | 51,218,000 | 51,346,000 |
| Noninterest-bearing deposits | 13,153,000 | 11,941,000 | 11,973,000 | 13,207,000 |
| Equity capital | 6,520,000 | 6,879,000 | 7,013,000 | 7,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 783,000 | 1,583,000 | 2,387,000 | 3,183,000 |
| Interest expense | 96,000 | 189,000 | 276,000 | 360,000 |
| Net interest income | 687,000 | 1,394,000 | 2,111,000 | 2,823,000 |
| Noninterest income | 46,000 | 117,000 | 180,000 | 236,000 |
| Noninterest expense | 474,000 | 950,000 | 1,448,000 | 1,941,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 244,000 | 531,000 | 798,000 | 1,058,000 |
| Income tax | 12,000 | 25,000 | 39,000 | 53,000 |
| Net income | 232,000 | 506,000 | 759,000 | 1,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,578,000 | 5,852,000 | 5,981,000 | 6,226,000 |
| Total capital | 6,192,000 | 6,428,000 | 6,571,000 | 6,828,000 |
| Risk-weighted assets | 52,466,000 | 49,923,000 | 51,450,000 | 54,163,000 |