Call reports 2016
WESTSIDE STATE BANK — 2016
What WESTSIDE STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 95,109,000 | 95,986,000 | 98,718,000 | 96,524,000 |
| Total loans | 77,589,000 | 78,946,000 | 81,625,000 | 78,915,000 |
| Allowance for loan losses | 699,000 | 574,000 | 772,000 | 773,000 |
| Securities available for sale | 8,587,000 | 7,634,000 | 7,593,000 | 7,390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,566,000 | 77,847,000 | 79,711,000 | 82,001,000 |
| Interest-bearing deposits | 64,727,000 | 64,497,000 | 65,914,000 | 67,541,000 |
| Noninterest-bearing deposits | 13,838,000 | 13,350,000 | 13,797,000 | 14,460,000 |
| Equity capital | 8,351,000 | 8,461,000 | 8,399,000 | 8,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 970,000 | 1,962,000 | 3,002,000 | 4,018,000 |
| Interest expense | 127,000 | 250,000 | 381,000 | 517,000 |
| Net interest income | 843,000 | 1,712,000 | 2,621,000 | 3,501,000 |
| Noninterest income | 100,000 | 194,000 | 278,000 | 393,000 |
| Noninterest expense | 694,000 | 1,392,000 | 2,113,000 | 2,925,000 |
| Provision for loan losses | 30,000 | 60,000 | 365,000 | 365,000 |
| Pretax income | 219,000 | 457,000 | 424,000 | 607,000 |
| Income tax | 11,000 | 23,000 | 32,000 | 35,000 |
| Net income | 208,000 | 434,000 | 392,000 | 572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,431,000 | 7,454,000 | 7,422,000 | 7,502,000 |
| Total capital | 8,130,000 | 8,028,000 | 8,194,000 | 8,275,000 |
| Risk-weighted assets | 69,047,000 | 65,571,000 | 69,140,000 | 68,055,000 |