Call reports 2017
WEST SHORE BANK — 2017
What WEST SHORE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 427,967,000 | 418,411,000 | 436,801,000 | 419,895,000 |
| Total loans | 278,133,000 | 279,730,000 | 280,405,000 | 293,326,000 |
| Allowance for loan losses | 3,303,000 | 3,347,000 | 3,334,000 | 3,208,000 |
| Securities available for sale | 113,032,000 | 103,517,000 | 95,501,000 | 92,709,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 337,259,000 | 328,740,000 | 352,846,000 | 332,590,000 |
| Interest-bearing deposits | 290,364,000 | 273,232,000 | 290,154,000 | 275,312,000 |
| Noninterest-bearing deposits | 46,895,000 | 55,508,000 | 62,692,000 | 57,278,000 |
| Equity capital | 35,901,000 | 37,674,000 | 38,317,000 | 38,025,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,848,000 | 7,716,000 | 11,653,000 | 15,689,000 |
| Interest expense | 285,000 | 590,000 | 921,000 | 1,229,000 |
| Net interest income | 3,563,000 | 7,126,000 | 10,732,000 | 14,460,000 |
| Noninterest income | 721,000 | 1,530,000 | 2,492,000 | 3,764,000 |
| Noninterest expense | 3,363,000 | 6,721,000 | 10,260,000 | 13,839,000 |
| Provision for loan losses | 30,000 | 90,000 | 105,000 | 198,000 |
| Pretax income | 888,000 | 1,857,000 | 2,903,000 | 4,231,000 |
| Income tax | 116,000 | 251,000 | 374,000 | 802,000 |
| Net income | 772,000 | 1,606,000 | 2,529,000 | 3,429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,805,000 | 35,654,000 | 35,503,000 | 36,051,000 |
| Total capital | 38,108,000 | 39,001,000 | 38,836,000 | 39,259,000 |
| Risk-weighted assets | 291,987,000 | 291,106,000 | 290,528,000 | 297,627,000 |