Call reports 2001
WEST SHORE BANK — 2001
What WEST SHORE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 213,361,000 | 218,182,000 | 227,504,000 | 238,146,000 |
| Total loans | 150,531,000 | 153,954,000 | 155,641,000 | 157,251,000 |
| Allowance for loan losses | 1,858,000 | 1,852,000 | 1,924,000 | 1,986,000 |
| Securities available for sale | 26,312,000 | 25,644,000 | 29,179,000 | 28,538,000 |
| Securities held to maturity | 12,493,000 | 11,474,000 | 13,344,000 | 14,313,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,484,000 | 159,370,000 | 166,210,000 | 173,379,000 |
| Interest-bearing deposits | 137,415,000 | 143,250,000 | 149,135,000 | 153,840,000 |
| Noninterest-bearing deposits | 14,069,000 | 16,120,000 | 17,075,000 | 19,539,000 |
| Equity capital | 16,865,000 | 17,011,000 | 17,595,000 | 17,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,977,000 | 8,059,000 | 12,109,000 | 16,126,000 |
| Interest expense | 2,257,000 | 4,441,000 | 6,438,000 | 8,368,000 |
| Net interest income | 1,720,000 | 3,618,000 | 5,671,000 | 7,758,000 |
| Noninterest income | 273,000 | 573,000 | 860,000 | 1,202,000 |
| Noninterest expense | 1,393,000 | 2,814,000 | 4,301,000 | 5,494,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 510,000 | 1,197,000 | 1,960,000 | 3,106,000 |
| Income tax | 93,000 | 264,000 | 470,000 | 790,000 |
| Net income | 417,000 | 933,000 | 1,490,000 | 2,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,393,000 | 16,595,000 | 17,164,000 | 17,623,000 |
| Total capital | 18,060,000 | 18,323,000 | 18,920,000 | 19,609,000 |
| Risk-weighted assets | 133,143,000 | 138,129,000 | 140,372,000 | 159,327,000 |