Call reports 2014
WESTSIDE STATE BANK — 2014
What WESTSIDE STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 84,175,000 | 86,964,000 | 86,808,000 | 88,664,000 |
| Total loans | 70,005,000 | 73,463,000 | 74,248,000 | 71,176,000 |
| Allowance for loan losses | 581,000 | 595,000 | 610,000 | 585,000 |
| Securities available for sale | 5,951,000 | 5,424,000 | 5,399,000 | 5,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,931,000 | 68,720,000 | 66,612,000 | 66,859,000 |
| Interest-bearing deposits | 54,984,000 | 55,432,000 | 53,503,000 | 53,448,000 |
| Noninterest-bearing deposits | 12,947,000 | 13,288,000 | 13,109,000 | 13,411,000 |
| Equity capital | 7,039,000 | 7,170,000 | 7,482,000 | 8,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 861,000 | 1,760,000 | 2,702,000 | 3,611,000 |
| Interest expense | 79,000 | 178,000 | 283,000 | 387,000 |
| Net interest income | 782,000 | 1,582,000 | 2,419,000 | 3,224,000 |
| Noninterest income | 58,000 | 131,000 | 212,000 | 312,000 |
| Noninterest expense | 546,000 | 1,104,000 | 1,666,000 | 2,243,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 279,000 | 579,000 | 920,000 | 1,233,000 |
| Income tax | 18,000 | 33,000 | 52,000 | 60,000 |
| Net income | 261,000 | 546,000 | 868,000 | 1,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,136,000 | 6,244,000 | 6,566,000 | 7,713,000 |
| Total capital | 6,717,000 | 6,839,000 | 7,176,000 | 8,298,000 |
| Risk-weighted assets | 63,404,000 | 66,984,000 | 68,282,000 | 65,652,000 |