Call reports 2020
WESTSIDE STATE BANK — 2020
What WESTSIDE STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 124,029,000 | 128,002,000 | 130,272,000 | 133,825,000 |
| Total loans | 97,758,000 | 106,297,000 | 110,107,000 | 107,388,000 |
| Allowance for loan losses | 864,000 | 824,000 | 860,000 | 988,000 |
| Securities available for sale | 6,294,000 | 6,518,000 | 6,692,000 | 5,975,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,405,000 | 106,880,000 | 105,997,000 | 109,610,000 |
| Interest-bearing deposits | 83,688,000 | 85,716,000 | 84,855,000 | 85,479,000 |
| Noninterest-bearing deposits | 19,717,000 | 21,164,000 | 21,142,000 | 24,131,000 |
| Equity capital | 10,615,000 | 10,809,000 | 11,517,000 | 11,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,394,000 | 2,772,000 | 4,192,000 | 5,849,000 |
| Interest expense | 354,000 | 610,000 | 825,000 | 1,010,000 |
| Net interest income | 1,040,000 | 2,162,000 | 3,367,000 | 4,839,000 |
| Noninterest income | 131,000 | 216,000 | 348,000 | 526,000 |
| Noninterest expense | 1,026,000 | 2,009,000 | 2,977,000 | 3,995,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 270,000 |
| Pretax income | 115,000 | 309,000 | 648,000 | 1,100,000 |
| Income tax | 16,000 | 31,000 | 46,000 | 46,000 |
| Net income | 99,000 | 278,000 | 602,000 | 1,054,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,684,000 | 9,862,000 | 10,586,000 | 10,814,000 |
| Total capital | 10,548,000 | 10,686,000 | 11,446,000 | 11,802,000 |
| Risk-weighted assets | 102,212,000 | 94,234,000 | 95,952,000 | 96,472,000 |