Call reports 2012
WESTSIDE COMMUNITY BANK — 2012
What WESTSIDE COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 113,074,000 | 104,700,000 | 97,654,000 | 91,935,000 |
| Total loans | 85,773,000 | 77,268,000 | 71,044,000 | 67,367,000 |
| Allowance for loan losses | 2,796,000 | 2,635,000 | 2,465,000 | 2,143,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,850,000 | 101,708,000 | 96,486,000 | 91,879,000 |
| Interest-bearing deposits | 99,786,000 | 94,169,000 | 89,182,000 | 85,756,000 |
| Noninterest-bearing deposits | 8,064,000 | 7,539,000 | 7,304,000 | 6,123,000 |
| Equity capital | 5,150,000 | 2,911,000 | 1,045,000 | 34,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,219,000 | 2,350,000 | 3,278,000 | 4,142,000 |
| Interest expense | 230,000 | 443,000 | 641,000 | 817,000 |
| Net interest income | 989,000 | 1,907,000 | 2,637,000 | 3,325,000 |
| Noninterest income | 149,000 | -946,000 | -1,312,000 | -1,196,000 |
| Noninterest expense | 1,462,000 | 2,214,000 | 3,244,000 | 4,909,000 |
| Provision for loan losses | 945,000 | 2,255,000 | 3,455,000 | 3,605,000 |
| Pretax income | -1,269,000 | -3,508,000 | -5,374,000 | -6,385,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,269,000 | -3,508,000 | -5,374,000 | -6,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,150,000 | 2,911,000 | 1,045,000 | 34,000 |
| Total capital | 6,455,000 | 4,116,000 | 2,090,000 | 68,000 |
| Risk-weighted assets | 102,885,000 | 94,956,000 | 88,140,000 | 83,978,000 |