Call reports 2016
WEST SHORE BANK — 2016
What WEST SHORE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 396,332,000 | 386,844,000 | 429,085,000 | 427,927,000 |
| Total loans | 254,942,000 | 257,141,000 | 273,295,000 | 278,097,000 |
| Allowance for loan losses | 3,207,000 | 3,227,000 | 3,323,000 | 3,199,000 |
| Securities available for sale | 102,172,000 | 98,368,000 | 108,296,000 | 106,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,898,000 | 303,250,000 | 350,132,000 | 344,679,000 |
| Interest-bearing deposits | 266,151,000 | 257,186,000 | 293,813,000 | 289,963,000 |
| Noninterest-bearing deposits | 43,747,000 | 46,064,000 | 56,319,000 | 54,716,000 |
| Equity capital | 36,146,000 | 37,251,000 | 36,681,000 | 35,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,627,000 | 7,273,000 | 11,016,000 | 14,877,000 |
| Interest expense | 286,000 | 578,000 | 869,000 | 1,160,000 |
| Net interest income | 3,341,000 | 6,695,000 | 10,147,000 | 13,717,000 |
| Noninterest income | 742,000 | 1,532,000 | 2,403,000 | 3,455,000 |
| Noninterest expense | 3,172,000 | 6,296,000 | 10,501,000 | 14,466,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 829,000 | 1,735,000 | 1,734,000 | 2,272,000 |
| Income tax | 116,000 | 243,000 | 243,000 | 146,000 |
| Net income | 713,000 | 1,492,000 | 1,491,000 | 2,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,067,000 | 35,823,000 | 34,085,000 | 34,510,000 |
| Total capital | 38,275,000 | 39,050,000 | 37,408,000 | 37,709,000 |
| Risk-weighted assets | 267,771,000 | 276,115,000 | 287,502,000 | 293,999,000 |