Call reports 2007
WEST SHORE BANK — 2007
What WEST SHORE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 309,413,000 | 301,604,000 | 314,434,000 | 294,264,000 |
| Total loans | 218,431,000 | 216,934,000 | 218,365,000 | 220,004,000 |
| Allowance for loan losses | 2,493,000 | 2,593,000 | 2,630,000 | 2,433,000 |
| Securities available for sale | 61,820,000 | 56,979,000 | 56,263,000 | 46,254,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,118,000 | 229,404,000 | 230,749,000 | 226,587,000 |
| Interest-bearing deposits | 222,491,000 | 209,031,000 | 210,487,000 | 205,804,000 |
| Noninterest-bearing deposits | 18,627,000 | 20,373,000 | 20,262,000 | 20,783,000 |
| Equity capital | 27,814,000 | 26,776,000 | 25,883,000 | 25,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,676,000 | 9,316,000 | 13,867,000 | 18,435,000 |
| Interest expense | 2,451,000 | 4,871,000 | 7,307,000 | 9,675,000 |
| Net interest income | 2,225,000 | 4,445,000 | 6,560,000 | 8,760,000 |
| Noninterest income | 413,000 | 843,000 | 1,306,000 | 1,725,000 |
| Noninterest expense | 1,850,000 | 3,660,000 | 5,478,000 | 7,043,000 |
| Provision for loan losses | 150,000 | 300,000 | 1,650,000 | 2,225,000 |
| Pretax income | 638,000 | 1,329,000 | 739,000 | 1,078,000 |
| Income tax | 138,000 | 296,000 | 110,000 | 1,000 |
| Net income | 500,000 | 1,033,000 | 629,000 | 1,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,138,000 | 27,593,000 | 26,249,000 | 25,787,000 |
| Total capital | 30,631,000 | 30,128,000 | 28,847,000 | 28,220,000 |
| Risk-weighted assets | 204,827,000 | 202,707,000 | 207,781,000 | 205,120,000 |