Call reports 2012
WEST SHORE BANK — 2012
What WEST SHORE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 347,337,000 | 344,917,000 | 367,198,000 | 368,396,000 |
| Total loans | 219,574,000 | 216,496,000 | 219,708,000 | 229,882,000 |
| Allowance for loan losses | 2,964,000 | 2,894,000 | 2,869,000 | 2,975,000 |
| Securities available for sale | 85,650,000 | 83,628,000 | 96,081,000 | 99,105,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,600,000 | 265,038,000 | 289,027,000 | 293,073,000 |
| Interest-bearing deposits | 241,229,000 | 233,896,000 | 255,303,000 | 256,819,000 |
| Noninterest-bearing deposits | 27,371,000 | 31,142,000 | 33,724,000 | 36,254,000 |
| Equity capital | 31,240,000 | 31,850,000 | 31,927,000 | 32,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,771,000 | 7,492,000 | 11,135,000 | 14,896,000 |
| Interest expense | 782,000 | 1,504,000 | 2,232,000 | 2,942,000 |
| Net interest income | 2,989,000 | 5,988,000 | 8,903,000 | 11,954,000 |
| Noninterest income | 684,000 | 1,424,000 | 2,214,000 | 2,883,000 |
| Noninterest expense | 2,620,000 | 5,293,000 | 7,960,000 | 10,802,000 |
| Provision for loan losses | 330,000 | 720,000 | 1,050,000 | 1,270,000 |
| Pretax income | 723,000 | 1,443,000 | 2,151,000 | 2,809,000 |
| Income tax | 135,000 | 265,000 | 404,000 | 536,000 |
| Net income | 588,000 | 1,178,000 | 1,747,000 | 2,273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,590,000 | 30,175,000 | 30,147,000 | 30,667,000 |
| Total capital | 32,286,000 | 32,870,000 | 32,871,000 | 33,492,000 |
| Risk-weighted assets | 215,395,000 | 215,410,000 | 217,808,000 | 225,915,000 |