Call reports 2006
WESTSIDE COMMUNITY BANK — 2006
What WESTSIDE COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 107,397,000 | 110,959,000 | 126,405,000 | 131,432,000 |
| Total loans | 90,390,000 | 95,770,000 | 107,546,000 | 111,264,000 |
| Allowance for loan losses | 1,062,000 | 1,174,000 | 1,279,000 | 1,409,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,600,000 | 6,602,000 | 6,603,000 | 5,694,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,395,000 | 98,316,000 | 110,115,000 | 117,728,000 |
| Interest-bearing deposits | 80,924,000 | 86,893,000 | 95,574,000 | 108,178,000 |
| Noninterest-bearing deposits | 11,471,000 | 11,423,000 | 14,541,000 | 9,550,000 |
| Equity capital | 8,601,000 | 11,957,000 | 12,360,000 | 12,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,051,000 | 4,366,000 | 7,001,000 | 9,714,000 |
| Interest expense | 699,000 | 1,550,000 | 2,544,000 | 3,717,000 |
| Net interest income | 1,352,000 | 2,816,000 | 4,457,000 | 5,997,000 |
| Noninterest income | 70,000 | 144,000 | 204,000 | 309,000 |
| Noninterest expense | 709,000 | 1,460,000 | 2,334,000 | 3,581,000 |
| Provision for loan losses | 135,000 | 245,000 | 350,000 | 350,000 |
| Pretax income | 578,000 | 1,255,000 | 1,977,000 | 2,375,000 |
| Income tax | 189,000 | 411,000 | 650,000 | 789,000 |
| Net income | 389,000 | 844,000 | 1,327,000 | 1,586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,601,000 | 11,957,000 | 12,360,000 | 12,639,000 |
| Total capital | 9,663,000 | 13,131,000 | 13,639,000 | 14,048,000 |
| Risk-weighted assets | 94,689,000 | 101,402,000 | 113,265,000 | 118,077,000 |