Call reports 2005
WESTSIDE COMMUNITY BANK — 2005
What WESTSIDE COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 83,799,000 | 85,490,000 | 95,675,000 | 99,246,000 |
| Total loans | 67,703,000 | 74,840,000 | 78,188,000 | 86,008,000 |
| Allowance for loan losses | 1,065,000 | 1,157,000 | 1,262,000 | 1,480,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,700,000 | 6,702,000 | 6,703,000 | 6,604,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,457,000 | 73,120,000 | 82,717,000 | 87,228,000 |
| Interest-bearing deposits | 64,227,000 | 65,556,000 | 72,146,000 | 75,201,000 |
| Noninterest-bearing deposits | 9,230,000 | 7,564,000 | 10,571,000 | 12,027,000 |
| Equity capital | 7,448,000 | 7,782,000 | 8,159,000 | 8,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,451,000 | 2,958,000 | 4,743,000 | 6,651,000 |
| Interest expense | 372,000 | 811,000 | 1,353,000 | 1,960,000 |
| Net interest income | 1,079,000 | 2,147,000 | 3,390,000 | 4,691,000 |
| Noninterest income | 83,000 | 168,000 | 245,000 | 316,000 |
| Noninterest expense | 567,000 | 1,133,000 | 1,791,000 | 2,532,000 |
| Provision for loan losses | 81,000 | 176,000 | 281,000 | 863,000 |
| Pretax income | 514,000 | 1,006,000 | 1,563,000 | 1,612,000 |
| Income tax | 164,000 | 322,000 | 502,000 | 519,000 |
| Net income | 350,000 | 684,000 | 1,061,000 | 1,093,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,448,000 | 7,782,000 | 8,159,000 | 8,194,000 |
| Total capital | 8,355,000 | 8,745,000 | 9,194,000 | 9,323,000 |
| Risk-weighted assets | 72,417,000 | 76,837,000 | 82,598,000 | 89,937,000 |