Call reports 2015
WEST SHORE BANK — 2015
What WEST SHORE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 384,484,000 | 365,515,000 | 386,429,000 | 390,299,000 |
| Total loans | 234,529,000 | 234,346,000 | 244,518,000 | 253,536,000 |
| Allowance for loan losses | 3,134,000 | 3,192,000 | 3,287,000 | 3,082,000 |
| Securities available for sale | 107,905,000 | 100,346,000 | 91,427,000 | 96,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,655,000 | 295,688,000 | 318,171,000 | 314,205,000 |
| Interest-bearing deposits | 267,395,000 | 253,479,000 | 274,244,000 | 269,480,000 |
| Noninterest-bearing deposits | 40,260,000 | 42,209,000 | 43,927,000 | 44,725,000 |
| Equity capital | 34,792,000 | 34,375,000 | 34,899,000 | 35,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,487,000 | 6,968,000 | 10,433,000 | 14,015,000 |
| Interest expense | 337,000 | 657,000 | 962,000 | 1,251,000 |
| Net interest income | 3,150,000 | 6,311,000 | 9,471,000 | 12,764,000 |
| Noninterest income | 686,000 | 1,402,000 | 2,147,000 | 2,738,000 |
| Noninterest expense | 2,959,000 | 5,901,000 | 8,975,000 | 12,029,000 |
| Provision for loan losses | 190,000 | 310,000 | 400,000 | 430,000 |
| Pretax income | 687,000 | 1,502,000 | 2,249,000 | 3,059,000 |
| Income tax | 95,000 | 197,000 | 278,000 | 347,000 |
| Net income | 592,000 | 1,305,000 | 1,971,000 | 2,712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,609,000 | 33,937,000 | 34,162,000 | 34,837,000 |
| Total capital | 36,658,000 | 37,017,000 | 37,391,000 | 37,919,000 |
| Risk-weighted assets | 243,887,000 | 246,267,000 | 258,222,000 | 259,516,000 |