Call reports 2007
WEST ONE BANK — 2007
What WEST ONE 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 | 48,843,000 | 48,962,000 | 49,540,000 | 53,398,000 |
| Total loans | 37,417,000 | 38,167,000 | 41,275,000 | 43,043,000 |
| Allowance for loan losses | 582,000 | 614,000 | 644,000 | 675,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,917,000 | 39,079,000 | 39,504,000 | 40,305,000 |
| Interest-bearing deposits | 32,349,000 | 29,964,000 | 34,617,000 | 34,822,000 |
| Noninterest-bearing deposits | 6,568,000 | 9,115,000 | 4,887,000 | 5,483,000 |
| Equity capital | 4,817,000 | 4,944,000 | 5,106,000 | 5,232,000 |
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 | 959,000 | 1,869,000 | 2,834,000 | 3,816,000 |
| Interest expense | 415,000 | 838,000 | 1,269,000 | 1,745,000 |
| Net interest income | 544,000 | 1,031,000 | 1,565,000 | 2,071,000 |
| Noninterest income | 84,000 | 150,000 | 201,000 | 257,000 |
| Noninterest expense | 281,000 | 567,000 | 860,000 | 1,203,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 317,000 | 554,000 | 816,000 | 1,005,000 |
| Income tax | 115,000 | 225,000 | 325,000 | 388,000 |
| Net income | 202,000 | 329,000 | 491,000 | 617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,817,000 | 4,944,000 | 5,106,000 | 5,232,000 |
| Total capital | 5,294,000 | 5,437,000 | 5,621,000 | 5,772,000 |
| Risk-weighted assets | 37,859,000 | 39,291,000 | 42,144,000 | 44,566,000 |
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