Call reports 2019
WEST SHORE BANK — 2019
What WEST SHORE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 459,363,000 | 443,655,000 | 484,994,000 | 462,409,000 |
| Total loans | 323,295,000 | 328,872,000 | 341,212,000 | 347,902,000 |
| Allowance for loan losses | 3,033,000 | 3,016,000 | 2,886,000 | 2,855,000 |
| Securities available for sale | 94,568,000 | 75,963,000 | 79,511,000 | 70,430,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 363,817,000 | 346,778,000 | 390,072,000 | 374,124,000 |
| Interest-bearing deposits | 303,654,000 | 282,694,000 | 312,763,000 | 301,498,000 |
| Noninterest-bearing deposits | 60,163,000 | 64,084,000 | 77,309,000 | 72,626,000 |
| Equity capital | 41,191,000 | 42,416,000 | 43,285,000 | 43,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,590,000 | 9,284,000 | 14,049,000 | 18,860,000 |
| Interest expense | 667,000 | 1,466,000 | 2,192,000 | 2,931,000 |
| Net interest income | 3,923,000 | 7,818,000 | 11,857,000 | 15,929,000 |
| Noninterest income | 1,059,000 | 2,428,000 | 4,259,000 | 5,872,000 |
| Noninterest expense | 4,197,000 | 8,717,000 | 13,534,000 | 18,209,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 782,000 | 1,672,000 | 2,725,000 | 3,836,000 |
| Income tax | 34,000 | 70,000 | 122,000 | 273,000 |
| Net income | 748,000 | 1,602,000 | 2,603,000 | 3,563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,879,000 | 39,462,000 | 40,204,000 | 40,907,000 |
| Total capital | 41,912,000 | 42,478,000 | 43,090,000 | 43,762,000 |
| Risk-weighted assets | 325,761,000 | 325,302,000 | 339,702,000 | 345,896,000 |