Call reports 2004
WEST ONE BANK — 2004
What WEST ONE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 17,724,000 | 18,795,000 | 22,195,000 | 25,537,000 |
| Total loans | 12,860,000 | 15,220,000 | 17,666,000 | 20,948,000 |
| Allowance for loan losses | 155,000 | 200,000 | 230,000 | 245,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,421,000 | 14,484,000 | 17,847,000 | 21,130,000 |
| Interest-bearing deposits | 12,416,000 | 13,259,000 | 15,878,000 | 19,557,000 |
| Noninterest-bearing deposits | 1,005,000 | 1,225,000 | 1,969,000 | 1,573,000 |
| Equity capital | 3,498,000 | 3,541,000 | 3,594,000 | 3,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 247,000 | 548,000 | 909,000 | 1,320,000 |
| Interest expense | 80,000 | 169,000 | 272,000 | 397,000 |
| Net interest income | 167,000 | 379,000 | 637,000 | 923,000 |
| Noninterest income | 11,000 | 39,000 | 42,000 | 57,000 |
| Noninterest expense | 91,000 | 218,000 | 343,000 | 489,000 |
| Provision for loan losses | 45,000 | 90,000 | 120,000 | 150,000 |
| Pretax income | 42,000 | 111,000 | 216,000 | 341,000 |
| Income tax | 0 | 25,000 | 78,000 | 122,000 |
| Net income | 42,000 | 86,000 | 138,000 | 219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,498,000 | 3,541,000 | 3,594,000 | 3,675,000 |
| Total capital | 3,653,000 | 3,733,000 | 3,810,000 | 3,920,000 |
| Risk-weighted assets | 13,276,000 | 15,332,000 | 17,237,000 | 20,811,000 |
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