Call reports 2007
WESTSIDE COMMUNITY BANK — 2007
What WESTSIDE COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 134,569,000 | 144,010,000 | 152,999,000 | 167,495,000 |
| Total loans | 117,583,000 | 132,830,000 | 139,486,000 | 149,021,000 |
| Allowance for loan losses | 1,409,000 | 1,559,000 | 1,644,000 | 1,806,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,695,000 | 2,695,000 | 4,045,000 | 3,245,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,374,000 | 125,542,000 | 130,653,000 | 140,919,000 |
| Interest-bearing deposits | 109,536,000 | 115,761,000 | 119,935,000 | 132,065,000 |
| Noninterest-bearing deposits | 10,838,000 | 9,781,000 | 10,718,000 | 8,854,000 |
| Equity capital | 13,004,000 | 13,529,000 | 13,994,000 | 14,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,800,000 | 5,829,000 | 9,050,000 | 12,386,000 |
| Interest expense | 1,213,000 | 2,589,000 | 4,083,000 | 5,711,000 |
| Net interest income | 1,587,000 | 3,240,000 | 4,967,000 | 6,675,000 |
| Noninterest income | 70,000 | 126,000 | 189,000 | 279,000 |
| Noninterest expense | 959,000 | 1,886,000 | 2,778,000 | 4,025,000 |
| Provision for loan losses | 50,000 | 110,000 | 195,000 | 400,000 |
| Pretax income | 648,000 | 1,370,000 | 2,183,000 | 2,529,000 |
| Income tax | 210,000 | 410,000 | 658,000 | 863,000 |
| Net income | 438,000 | 960,000 | 1,525,000 | 1,666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,004,000 | 13,529,000 | 13,994,000 | 14,135,000 |
| Total capital | 14,413,000 | 15,088,000 | 15,638,000 | 15,941,000 |
| Risk-weighted assets | 125,341,000 | 140,378,000 | 146,838,000 | 160,228,000 |