Call reports 2009
WESTSIDE COMMUNITY BANK — 2009
What WESTSIDE COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 176,552,000 | 173,078,000 | 169,899,000 | 161,660,000 |
| Total loans | 156,533,000 | 153,126,000 | 142,525,000 | 137,267,000 |
| Allowance for loan losses | 3,613,000 | 3,812,000 | 2,885,000 | 4,079,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,100,000 | 4,100,000 | 4,351,000 | 4,151,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,293,000 | 153,489,000 | 153,440,000 | 149,118,000 |
| Interest-bearing deposits | 146,914,000 | 144,599,000 | 144,798,000 | 138,223,000 |
| Noninterest-bearing deposits | 7,379,000 | 8,890,000 | 8,642,000 | 10,895,000 |
| Equity capital | 15,459,000 | 15,854,000 | 15,934,000 | 12,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,444,000 | 4,961,000 | 7,251,000 | 9,201,000 |
| Interest expense | 1,165,000 | 2,228,000 | 3,202,000 | 4,035,000 |
| Net interest income | 1,279,000 | 2,733,000 | 4,049,000 | 5,166,000 |
| Noninterest income | 83,000 | 201,000 | 291,000 | 305,000 |
| Noninterest expense | 939,000 | 1,991,000 | 2,916,000 | 3,833,000 |
| Provision for loan losses | 300,000 | 603,000 | 903,000 | 6,904,000 |
| Pretax income | 123,000 | 340,000 | 521,000 | -5,266,000 |
| Income tax | 43,000 | 160,000 | 186,000 | -1,852,000 |
| Net income | 80,000 | 180,000 | 335,000 | -3,414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,459,000 | 15,854,000 | 15,934,000 | 12,097,000 |
| Total capital | 17,494,000 | 17,826,000 | 17,799,000 | 13,916,000 |
| Risk-weighted assets | 161,226,000 | 155,947,000 | 148,189,000 | 143,288,000 |