Call reports 2013
WEST SHORE BANK — 2013
What WEST SHORE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 370,186,000 | 363,950,000 | 395,059,000 | 387,868,000 |
| Total loans | 231,094,000 | 231,358,000 | 236,227,000 | 236,193,000 |
| Allowance for loan losses | 3,145,000 | 3,101,000 | 3,155,000 | 2,982,000 |
| Securities available for sale | 103,328,000 | 98,892,000 | 103,248,000 | 112,853,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,009,000 | 281,819,000 | 309,174,000 | 308,413,000 |
| Interest-bearing deposits | 257,830,000 | 249,452,000 | 268,038,000 | 274,121,000 |
| Noninterest-bearing deposits | 34,179,000 | 32,367,000 | 41,136,000 | 34,292,000 |
| Equity capital | 32,239,000 | 31,531,000 | 31,371,000 | 31,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,650,000 | 7,276,000 | 10,878,000 | 14,538,000 |
| Interest expense | 660,000 | 1,277,000 | 1,850,000 | 2,387,000 |
| Net interest income | 2,990,000 | 5,999,000 | 9,028,000 | 12,151,000 |
| Noninterest income | 710,000 | 1,417,000 | 2,022,000 | 2,437,000 |
| Noninterest expense | 2,772,000 | 5,671,000 | 8,342,000 | 10,963,000 |
| Provision for loan losses | 270,000 | 570,000 | 840,000 | 950,000 |
| Pretax income | 658,000 | 1,364,000 | 2,057,000 | 2,864,000 |
| Income tax | 126,000 | 274,000 | 395,000 | 503,000 |
| Net income | 532,000 | 1,090,000 | 1,662,000 | 2,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,612,000 | 31,167,000 | 31,207,000 | 31,907,000 |
| Total capital | 33,468,000 | 34,046,000 | 34,134,000 | 34,857,000 |
| Risk-weighted assets | 228,222,000 | 230,129,000 | 233,911,000 | 236,003,000 |