Call reports 2005
WEST ONE BANK — 2005
What WEST ONE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 28,700,000 | 32,661,000 | 36,379,000 | 38,574,000 |
| Total loans | 22,602,000 | 26,444,000 | 30,041,000 | 31,658,000 |
| Allowance for loan losses | 275,000 | 305,000 | 350,000 | 395,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,205,000 | 28,055,000 | 30,631,000 | 32,769,000 |
| Interest-bearing deposits | 21,893,000 | 25,830,000 | 27,570,000 | 29,770,000 |
| Noninterest-bearing deposits | 2,312,000 | 2,225,000 | 3,061,000 | 2,999,000 |
| Equity capital | 3,750,000 | 3,862,000 | 3,966,000 | 4,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 432,000 | 960,000 | 1,561,000 | 2,207,000 |
| Interest expense | 151,000 | 337,000 | 565,000 | 825,000 |
| Net interest income | 281,000 | 623,000 | 996,000 | 1,382,000 |
| Noninterest income | 15,000 | 44,000 | 72,000 | 100,000 |
| Noninterest expense | 155,000 | 319,000 | 493,000 | 701,000 |
| Provision for loan losses | 30,000 | 60,000 | 105,000 | 150,000 |
| Pretax income | 111,000 | 288,000 | 470,000 | 631,000 |
| Income tax | 36,000 | 101,000 | 179,000 | 245,000 |
| Net income | 75,000 | 187,000 | 291,000 | 386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,750,000 | 3,862,000 | 3,966,000 | 4,061,000 |
| Total capital | 4,025,000 | 4,167,000 | 4,316,000 | 4,456,000 |
| Risk-weighted assets | 22,855,000 | 26,180,000 | 29,924,000 | 32,102,000 |
Machine access — free, no API key
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