Call reports 2005
WEST SHORE BANK — 2005
What WEST SHORE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 300,452,000 | 300,409,000 | 308,657,000 | 310,688,000 |
| Total loans | 197,482,000 | 200,069,000 | 201,847,000 | 211,100,000 |
| Allowance for loan losses | 2,626,000 | 2,623,000 | 2,709,000 | 2,664,000 |
| Securities available for sale | 53,937,000 | 74,748,000 | 77,989,000 | 70,622,000 |
| Securities held to maturity | 24,121,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,952,000 | 230,595,000 | 239,324,000 | 235,056,000 |
| Interest-bearing deposits | 209,645,000 | 210,558,000 | 217,272,000 | 212,524,000 |
| Noninterest-bearing deposits | 19,307,000 | 20,037,000 | 22,052,000 | 22,532,000 |
| Equity capital | 24,514,000 | 25,321,000 | 25,666,000 | 25,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,957,000 | 8,005,000 | 12,227,000 | 16,597,000 |
| Interest expense | 1,392,000 | 2,896,000 | 4,571,000 | 6,432,000 |
| Net interest income | 2,565,000 | 5,109,000 | 7,656,000 | 10,165,000 |
| Noninterest income | 365,000 | 753,000 | 1,119,000 | 1,477,000 |
| Noninterest expense | 1,898,000 | 3,747,000 | 5,594,000 | 7,178,000 |
| Provision for loan losses | 130,000 | 261,000 | 391,000 | 397,000 |
| Pretax income | 902,000 | 1,869,000 | 2,811,000 | 4,098,000 |
| Income tax | 200,000 | 379,000 | 577,000 | 944,000 |
| Net income | 702,000 | 1,490,000 | 2,234,000 | 3,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,884,000 | 25,152,000 | 25,896,000 | 26,234,000 |
| Total capital | 27,368,000 | 27,640,000 | 28,457,000 | 28,860,000 |
| Risk-weighted assets | 198,550,000 | 198,874,000 | 204,094,000 | 210,017,000 |