Call reports 2018
WEST SHORE BANK — 2018
What WEST SHORE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 434,911,000 | 438,050,000 | 450,427,000 | 449,936,000 |
| Total loans | 300,062,000 | 314,819,000 | 318,781,000 | 323,984,000 |
| Allowance for loan losses | 3,210,000 | 3,108,000 | 3,080,000 | 3,032,000 |
| Securities available for sale | 97,529,000 | 87,135,000 | 84,781,000 | 85,237,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,018,000 | 338,296,000 | 374,364,000 | 358,944,000 |
| Interest-bearing deposits | 278,054,000 | 277,017,000 | 307,697,000 | 295,739,000 |
| Noninterest-bearing deposits | 55,964,000 | 61,279,000 | 66,667,000 | 63,205,000 |
| Equity capital | 37,443,000 | 38,181,000 | 38,179,000 | 39,701,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,041,000 | 8,213,000 | 12,561,000 | 17,038,000 |
| Interest expense | 377,000 | 907,000 | 1,529,000 | 2,157,000 |
| Net interest income | 3,664,000 | 7,306,000 | 11,032,000 | 14,881,000 |
| Noninterest income | 1,150,000 | 2,303,000 | 3,461,000 | 4,789,000 |
| Noninterest expense | 3,899,000 | 7,802,000 | 11,840,000 | 16,102,000 |
| Provision for loan losses | 55,000 | 0 | 0 | 0 |
| Pretax income | 857,000 | 1,775,000 | 2,621,000 | 3,536,000 |
| Income tax | 64,000 | 104,000 | 139,000 | 173,000 |
| Net income | 793,000 | 1,671,000 | 2,482,000 | 3,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,463,000 | 37,156,000 | 37,476,000 | 38,390,000 |
| Total capital | 39,673,000 | 40,264,000 | 40,556,000 | 41,422,000 |
| Risk-weighted assets | 305,347,000 | 315,509,000 | 319,855,000 | 323,240,000 |