Call reports 2006
WEST SHORE BANK — 2006
What WEST SHORE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 305,100,000 | 310,451,000 | 320,786,000 | 314,831,000 |
| Total loans | 216,426,000 | 222,450,000 | 220,206,000 | 219,509,000 |
| Allowance for loan losses | 2,737,000 | 2,816,000 | 2,885,000 | 2,449,000 |
| Securities available for sale | 69,529,000 | 66,631,000 | 63,395,000 | 60,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,089,000 | 237,896,000 | 253,643,000 | 248,090,000 |
| Interest-bearing deposits | 210,007,000 | 218,149,000 | 233,665,000 | 226,676,000 |
| Noninterest-bearing deposits | 19,082,000 | 19,747,000 | 19,978,000 | 21,414,000 |
| Equity capital | 25,999,000 | 25,506,000 | 26,914,000 | 27,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,384,000 | 9,004,000 | 13,824,000 | 18,649,000 |
| Interest expense | 1,973,000 | 4,211,000 | 6,685,000 | 9,218,000 |
| Net interest income | 2,411,000 | 4,793,000 | 7,139,000 | 9,431,000 |
| Noninterest income | 372,000 | 791,000 | 1,215,000 | 1,615,000 |
| Noninterest expense | 1,919,000 | 3,833,000 | 5,779,000 | 7,372,000 |
| Provision for loan losses | 113,000 | 225,000 | 338,000 | 450,000 |
| Pretax income | 752,000 | 1,527,000 | 2,238,000 | 3,225,000 |
| Income tax | 168,000 | 354,000 | 498,000 | 658,000 |
| Net income | 584,000 | 1,173,000 | 1,740,000 | 2,567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,818,000 | 26,826,000 | 27,394,000 | 27,639,000 |
| Total capital | 29,397,000 | 29,475,000 | 30,036,000 | 30,088,000 |
| Risk-weighted assets | 206,187,000 | 211,789,000 | 211,094,000 | 207,041,000 |