Call reports 2013
WESTSIDE STATE BANK — 2013
What WESTSIDE STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 75,462,000 | 77,284,000 | 76,738,000 | 78,603,000 |
| Total loans | 58,918,000 | 61,283,000 | 63,413,000 | 64,268,000 |
| Allowance for loan losses | 620,000 | 595,000 | 554,000 | 565,000 |
| Securities available for sale | 5,918,000 | 5,748,000 | 5,755,000 | 5,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,150,000 | 67,827,000 | 64,492,000 | 65,920,000 |
| Interest-bearing deposits | 53,328,000 | 55,967,000 | 52,996,000 | 52,316,000 |
| Noninterest-bearing deposits | 12,823,000 | 11,860,000 | 11,497,000 | 13,604,000 |
| Equity capital | 6,522,000 | 6,671,000 | 6,956,000 | 7,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 781,000 | 1,598,000 | 2,383,000 | 3,225,000 |
| Interest expense | 76,000 | 147,000 | 220,000 | 289,000 |
| Net interest income | 705,000 | 1,451,000 | 2,163,000 | 2,936,000 |
| Noninterest income | 60,000 | 116,000 | 188,000 | 261,000 |
| Noninterest expense | 506,000 | 1,010,000 | 1,501,000 | 2,004,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 244,000 | 527,000 | 805,000 | 1,133,000 |
| Income tax | 11,000 | 26,000 | 42,000 | 53,000 |
| Net income | 233,000 | 501,000 | 763,000 | 1,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,514,000 | 5,782,000 | 6,044,000 | 6,361,000 |
| Total capital | 6,134,000 | 6,303,000 | 6,598,000 | 6,926,000 |
| Risk-weighted assets | 53,064,000 | 55,268,000 | 57,918,000 | 57,633,000 |