Call reports 2023
WESTSIDE STATE BANK — 2023
What WESTSIDE STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 179,608,000 | 181,078,000 | 187,240,000 | 191,169,000 |
| Total loans | 139,246,000 | 144,492,000 | 150,823,000 | 153,765,000 |
| Allowance for loan losses | 961,000 | 1,009,000 | 1,054,000 | 1,066,000 |
| Securities available for sale | 20,326,000 | 20,703,000 | 20,122,000 | 19,840,000 |
| Securities held to maturity | 500,000 | 1,000,000 | 1,000,000 | 1,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,211,000 | 151,464,000 | 151,753,000 | 153,749,000 |
| Interest-bearing deposits | 116,004,000 | 118,498,000 | 116,789,000 | 121,708,000 |
| Noninterest-bearing deposits | 33,207,000 | 32,966,000 | 34,964,000 | 32,041,000 |
| Equity capital | 13,139,000 | 13,361,000 | 13,218,000 | 13,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,030,000 | 4,308,000 | 6,763,000 | 9,323,000 |
| Interest expense | 569,000 | 1,341,000 | 2,222,000 | 3,270,000 |
| Net interest income | 1,461,000 | 2,967,000 | 4,541,000 | 6,053,000 |
| Noninterest income | 165,000 | 246,000 | 389,000 | 580,000 |
| Noninterest expense | 1,234,000 | 2,358,000 | 3,530,000 | 4,821,000 |
| Provision for loan losses | 48,000 | 96,000 | 144,000 | 192,000 |
| Pretax income | 344,000 | 759,000 | 1,256,000 | 1,620,000 |
| Income tax | 18,000 | 36,000 | 58,000 | 57,000 |
| Net income | 326,000 | 723,000 | 1,198,000 | 1,563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,460,000 | 13,857,000 | 14,082,000 | 13,627,000 |
| Total capital | 14,421,000 | 14,866,000 | 15,136,000 | 14,693,000 |
| Risk-weighted assets | 125,589,000 | 128,946,000 | 136,101,000 | 140,174,000 |