Call reports 2002
WESTSIDE COMMUNITY BANK — 2002
What WESTSIDE COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 50,972,000 | 53,092,000 | 54,401,000 | 54,447,000 |
| Total loans | 39,804,000 | 43,492,000 | 41,980,000 | 45,988,000 |
| Allowance for loan losses | 505,000 | 544,000 | 567,000 | 733,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,429,000 | 1,619,000 | 1,514,000 | 3,739,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,159,000 | 47,986,000 | 49,008,000 | 48,935,000 |
| Interest-bearing deposits | 42,321,000 | 44,019,000 | 44,959,000 | 44,422,000 |
| Noninterest-bearing deposits | 3,838,000 | 3,966,000 | 4,049,000 | 4,513,000 |
| Equity capital | 4,678,000 | 4,869,000 | 5,065,000 | 5,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 911,000 | 1,936,000 | 2,959,000 | 4,019,000 |
| Interest expense | 398,000 | 777,000 | 1,146,000 | 1,478,000 |
| Net interest income | 513,000 | 1,159,000 | 1,813,000 | 2,541,000 |
| Noninterest income | 40,000 | 84,000 | 120,000 | 155,000 |
| Noninterest expense | 334,000 | 697,000 | 1,056,000 | 1,517,000 |
| Provision for loan losses | 50,000 | 95,000 | 140,000 | 324,000 |
| Pretax income | 169,000 | 451,000 | 737,000 | 855,000 |
| Income tax | 56,000 | 147,000 | 237,000 | 274,000 |
| Net income | 113,000 | 304,000 | 500,000 | 581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,678,000 | 4,869,000 | 5,065,000 | 5,147,000 |
| Total capital | 5,180,000 | 5,409,000 | 5,604,000 | 5,723,000 |
| Risk-weighted assets | 40,188,000 | 43,521,000 | 43,098,000 | 45,902,000 |