Call reports 2009
WEST SHORE BANK — 2009
What WEST SHORE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 320,252,000 | 318,200,000 | 331,846,000 | 334,888,000 |
| Total loans | 227,116,000 | 225,325,000 | 224,725,000 | 223,347,000 |
| Allowance for loan losses | 2,702,000 | 2,704,000 | 2,693,000 | 2,702,000 |
| Securities available for sale | 54,697,000 | 51,049,000 | 51,884,000 | 50,141,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,011,000 | 236,823,000 | 250,507,000 | 254,104,000 |
| Interest-bearing deposits | 218,165,000 | 216,485,000 | 224,521,000 | 228,097,000 |
| Noninterest-bearing deposits | 18,846,000 | 20,339,000 | 25,986,000 | 26,008,000 |
| Equity capital | 27,929,000 | 27,540,000 | 28,723,000 | 28,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,193,000 | 8,279,000 | 12,188,000 | 16,205,000 |
| Interest expense | 1,677,000 | 3,292,000 | 4,800,000 | 6,161,000 |
| Net interest income | 2,516,000 | 4,987,000 | 7,388,000 | 10,044,000 |
| Noninterest income | 442,000 | 1,057,000 | 1,638,000 | 2,275,000 |
| Noninterest expense | 2,201,000 | 4,553,000 | 6,703,000 | 9,037,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 1,100,000 |
| Pretax income | 680,000 | 1,201,000 | 1,808,000 | 2,342,000 |
| Income tax | 142,000 | 244,000 | 354,000 | 404,000 |
| Net income | 538,000 | 957,000 | 1,454,000 | 1,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,326,000 | 27,179,000 | 27,674,000 | 27,601,000 |
| Total capital | 29,983,000 | 29,826,000 | 30,303,000 | 30,218,000 |
| Risk-weighted assets | 212,548,000 | 211,682,000 | 210,627,000 | 209,294,000 |