Call reports 2025
WEST SHORE BANK — 2025
What WEST SHORE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 778,471,000 | 789,628,000 | 836,560,000 | 820,226,000 |
| Total loans | 591,991,000 | 598,850,000 | 605,968,000 | 639,961,000 |
| Allowance for loan losses | 5,716,000 | 5,850,000 | 5,970,000 | 6,092,000 |
| Securities available for sale | 117,606,000 | 111,928,000 | 101,295,000 | 95,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 658,620,000 | 652,132,000 | 700,405,000 | 685,517,000 |
| Interest-bearing deposits | 530,192,000 | 510,894,000 | 525,721,000 | 553,060,000 |
| Noninterest-bearing deposits | 128,428,000 | 141,238,000 | 174,684,000 | 132,457,000 |
| Equity capital | 62,461,000 | 65,200,000 | 73,052,000 | 74,790,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 10,185,000 | 20,623,000 | 31,586,000 | 42,790,000 |
| Interest expense | 3,577,000 | 7,008,000 | 10,289,000 | 13,828,000 |
| Net interest income | 6,608,000 | 13,615,000 | 21,297,000 | 28,962,000 |
| Noninterest income | 1,203,000 | 2,742,000 | 4,474,000 | 6,085,000 |
| Noninterest expense | 6,020,000 | 12,186,000 | 18,776,000 | 26,129,000 |
| Provision for loan losses | 220,000 | 354,000 | 494,000 | 688,000 |
| Pretax income | 1,571,000 | 3,817,000 | 6,501,000 | 8,230,000 |
| Income tax | 243,000 | 626,000 | 1,101,000 | 1,369,000 |
| Net income | 1,328,000 | 3,191,000 | 5,400,000 | 6,861,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,503,000 | 69,368,000 | 75,863,000 | 77,195,000 |
| Total capital | 73,455,000 | 75,454,000 | 82,069,000 | 83,523,000 |
| Risk-weighted assets | 635,653,000 | 655,105,000 | 642,957,000 | 666,503,000 |