Call reports 2010
WEST SHORE BANK — 2010
What WEST SHORE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 335,495,000 | 329,164,000 | 346,241,000 | 334,651,000 |
| Total loans | 225,857,000 | 226,986,000 | 221,729,000 | 212,613,000 |
| Allowance for loan losses | 2,910,000 | 2,927,000 | 2,585,000 | 2,543,000 |
| Securities available for sale | 55,134,000 | 58,150,000 | 64,444,000 | 81,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,905,000 | 247,830,000 | 265,368,000 | 254,102,000 |
| Interest-bearing deposits | 231,490,000 | 224,648,000 | 242,016,000 | 229,560,000 |
| Noninterest-bearing deposits | 20,415,000 | 23,181,000 | 23,352,000 | 24,542,000 |
| Equity capital | 29,176,000 | 29,424,000 | 30,307,000 | 29,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,883,000 | 7,804,000 | 11,734,000 | 15,812,000 |
| Interest expense | 1,278,000 | 2,529,000 | 3,719,000 | 4,792,000 |
| Net interest income | 2,605,000 | 5,275,000 | 8,015,000 | 11,020,000 |
| Noninterest income | 525,000 | 1,139,000 | 1,877,000 | 2,471,000 |
| Noninterest expense | 2,309,000 | 4,611,000 | 6,943,000 | 9,381,000 |
| Provision for loan losses | 250,000 | 500,000 | 750,000 | 1,437,000 |
| Pretax income | 572,000 | 1,304,000 | 2,200,000 | 2,875,000 |
| Income tax | 108,000 | 248,000 | 418,000 | 548,000 |
| Net income | 464,000 | 1,056,000 | 1,782,000 | 2,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,063,000 | 28,097,000 | 28,815,000 | 29,356,000 |
| Total capital | 30,737,000 | 30,791,000 | 31,400,000 | 31,899,000 |
| Risk-weighted assets | 213,687,000 | 215,284,000 | 213,944,000 | 210,015,000 |