Call reports 2014
WEST SHORE BANK — 2014
What WEST SHORE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 387,078,000 | 379,273,000 | 388,803,000 | 389,119,000 |
| Total loans | 235,541,000 | 236,334,000 | 239,285,000 | 239,771,000 |
| Allowance for loan losses | 3,010,000 | 3,044,000 | 3,070,000 | 2,989,000 |
| Securities available for sale | 110,755,000 | 110,308,000 | 106,445,000 | 102,233,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,534,000 | 292,432,000 | 318,155,000 | 312,675,000 |
| Interest-bearing deposits | 273,278,000 | 258,907,000 | 275,668,000 | 268,879,000 |
| Noninterest-bearing deposits | 32,256,000 | 33,525,000 | 42,487,000 | 43,796,000 |
| Equity capital | 32,393,000 | 33,525,000 | 33,832,000 | 34,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,602,000 | 7,272,000 | 10,908,000 | 14,476,000 |
| Interest expense | 490,000 | 932,000 | 1,329,000 | 1,693,000 |
| Net interest income | 3,112,000 | 6,340,000 | 9,579,000 | 12,783,000 |
| Noninterest income | 605,000 | 1,285,000 | 1,896,000 | 2,363,000 |
| Noninterest expense | 2,835,000 | 5,670,000 | 8,516,000 | 11,484,000 |
| Provision for loan losses | 210,000 | 420,000 | 580,000 | 600,000 |
| Pretax income | 672,000 | 1,535,000 | 2,379,000 | 3,103,000 |
| Income tax | 101,000 | 230,000 | 357,000 | 434,000 |
| Net income | 571,000 | 1,305,000 | 2,022,000 | 2,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,978,000 | 32,711,000 | 32,922,000 | 33,457,000 |
| Total capital | 34,923,000 | 35,678,000 | 35,887,000 | 36,439,000 |
| Risk-weighted assets | 235,556,000 | 237,286,000 | 237,107,000 | 238,544,000 |