Call reports 2011
WEST SHORE BANK — 2011
What WEST SHORE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 332,860,000 | 332,548,000 | 352,151,000 | 345,237,000 |
| Total loans | 211,240,000 | 211,417,000 | 217,284,000 | 217,743,000 |
| Allowance for loan losses | 2,602,000 | 2,391,000 | 2,654,000 | 2,812,000 |
| Securities available for sale | 82,530,000 | 74,449,000 | 77,278,000 | 79,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,501,000 | 247,626,000 | 272,844,000 | 264,551,000 |
| Interest-bearing deposits | 228,711,000 | 223,678,000 | 244,026,000 | 236,750,000 |
| Noninterest-bearing deposits | 22,790,000 | 23,948,000 | 28,818,000 | 27,801,000 |
| Equity capital | 30,050,000 | 30,917,000 | 31,482,000 | 31,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,746,000 | 7,532,000 | 11,308,000 | 15,107,000 |
| Interest expense | 987,000 | 1,918,000 | 2,749,000 | 3,552,000 |
| Net interest income | 2,759,000 | 5,614,000 | 8,559,000 | 11,555,000 |
| Noninterest income | 485,000 | 1,009,000 | 1,616,000 | 2,330,000 |
| Noninterest expense | 2,362,000 | 4,805,000 | 7,218,000 | 9,638,000 |
| Provision for loan losses | 300,000 | 662,000 | 1,113,000 | 1,713,000 |
| Pretax income | 582,000 | 1,156,000 | 1,844,000 | 2,534,000 |
| Income tax | 128,000 | 243,000 | 381,000 | 519,000 |
| Net income | 454,000 | 913,000 | 1,463,000 | 2,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,255,000 | 29,713,000 | 29,706,000 | 29,540,000 |
| Total capital | 31,857,000 | 32,104,000 | 32,311,000 | 32,170,000 |
| Risk-weighted assets | 208,614,000 | 201,870,000 | 208,314,000 | 210,238,000 |