Call reports 2003
WESTSIDE COMMUNITY BANK — 2003
What WESTSIDE COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 58,934,000 | 57,683,000 | 59,183,000 | 63,090,000 |
| Total loans | 48,231,000 | 47,628,000 | 49,146,000 | 47,202,000 |
| Allowance for loan losses | 763,000 | 635,000 | 646,000 | 805,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,885,000 | 2,385,000 | 4,380,000 | 6,516,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,233,000 | 51,558,000 | 51,626,000 | 56,443,000 |
| Interest-bearing deposits | 46,428,000 | 47,217,000 | 46,128,000 | 50,961,000 |
| Noninterest-bearing deposits | 4,805,000 | 4,341,000 | 5,498,000 | 5,482,000 |
| Equity capital | 5,399,000 | 5,667,000 | 5,927,000 | 6,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,054,000 | 2,115,000 | 3,201,000 | 4,280,000 |
| Interest expense | 306,000 | 610,000 | 879,000 | 1,150,000 |
| Net interest income | 748,000 | 1,505,000 | 2,322,000 | 3,130,000 |
| Noninterest income | 56,000 | 151,000 | 279,000 | 338,000 |
| Noninterest expense | 392,000 | 801,000 | 1,346,000 | 1,897,000 |
| Provision for loan losses | 45,000 | 95,000 | 112,000 | 252,000 |
| Pretax income | 367,000 | 760,000 | 1,143,000 | 1,319,000 |
| Income tax | 120,000 | 246,000 | 369,000 | 423,000 |
| Net income | 247,000 | 514,000 | 774,000 | 896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,399,000 | 5,667,000 | 5,927,000 | 6,048,000 |
| Total capital | 6,011,000 | 6,279,000 | 6,551,000 | 6,674,000 |
| Risk-weighted assets | 48,770,000 | 48,938,000 | 50,114,000 | 49,919,000 |