Call reports 2002
WEST SHORE BANK — 2002
What WEST SHORE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 242,737,000 | 252,009,000 | 267,725,000 | 266,036,000 |
| Total loans | 157,275,000 | 164,985,000 | 164,040,000 | 166,360,000 |
| Allowance for loan losses | 2,042,000 | 1,970,000 | 2,002,000 | 2,116,000 |
| Securities available for sale | 34,618,000 | 39,511,000 | 40,263,000 | 45,029,000 |
| Securities held to maturity | 14,578,000 | 14,839,000 | 15,240,000 | 16,140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,633,000 | 192,935,000 | 211,789,000 | 207,058,000 |
| Interest-bearing deposits | 165,268,000 | 174,871,000 | 190,457,000 | 188,415,000 |
| Noninterest-bearing deposits | 15,365,000 | 18,064,000 | 21,332,000 | 18,643,000 |
| Equity capital | 18,397,000 | 19,097,000 | 20,006,000 | 20,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,826,000 | 7,752,000 | 12,136,000 | 15,942,000 |
| Interest expense | 1,812,000 | 3,611,000 | 5,359,000 | 7,024,000 |
| Net interest income | 2,014,000 | 4,141,000 | 6,777,000 | 8,918,000 |
| Noninterest income | 319,000 | 657,000 | 1,097,000 | 1,576,000 |
| Noninterest expense | 1,525,000 | 3,054,000 | 4,985,000 | 6,049,000 |
| Provision for loan losses | 90,000 | 180,000 | 280,000 | 406,000 |
| Pretax income | 718,000 | 1,564,000 | 2,609,000 | 4,040,000 |
| Income tax | 171,000 | 386,000 | 674,000 | 1,111,000 |
| Net income | 547,000 | 1,178,000 | 1,935,000 | 2,929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,181,000 | 18,460,000 | 19,228,000 | 19,761,000 |
| Total capital | 20,212,000 | 20,430,000 | 21,230,000 | 21,877,000 |
| Risk-weighted assets | 162,581,000 | 164,188,000 | 176,182,000 | 172,453,000 |