Call reports 2004
WESTSIDE COMMUNITY BANK — 2004
What WESTSIDE COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 62,243,000 | 63,963,000 | 75,984,000 | 76,262,000 |
| Total loans | 48,663,000 | 52,385,000 | 62,327,000 | 63,898,000 |
| Allowance for loan losses | 821,000 | 833,000 | 903,000 | 1,015,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,650,000 | 6,814,000 | 6,798,000 | 6,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,623,000 | 54,891,000 | 65,435,000 | 68,439,000 |
| Interest-bearing deposits | 49,797,000 | 49,204,000 | 58,674,000 | 61,158,000 |
| Noninterest-bearing deposits | 5,826,000 | 5,687,000 | 6,761,000 | 7,281,000 |
| Equity capital | 6,308,000 | 6,587,000 | 6,907,000 | 7,086,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,049,000 | 2,162,000 | 3,452,000 | 4,795,000 |
| Interest expense | 258,000 | 504,000 | 797,000 | 1,137,000 |
| Net interest income | 791,000 | 1,658,000 | 2,655,000 | 3,658,000 |
| Noninterest income | 61,000 | 132,000 | 202,000 | 261,000 |
| Noninterest expense | 460,000 | 958,000 | 1,490,000 | 2,209,000 |
| Provision for loan losses | 25,000 | 50,000 | 110,000 | 195,000 |
| Pretax income | 367,000 | 782,000 | 1,257,000 | 1,515,000 |
| Income tax | 118,000 | 254,000 | 409,000 | 488,000 |
| Net income | 249,000 | 528,000 | 848,000 | 1,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,308,000 | 6,587,000 | 6,907,000 | 7,086,000 |
| Total capital | 6,951,000 | 7,261,000 | 7,707,000 | 7,917,000 |
| Risk-weighted assets | 51,241,000 | 53,783,000 | 63,910,000 | 66,265,000 |