Call reports 2008
WEST ONE BANK — 2008
What WEST ONE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 58,091,000 | 58,370,000 | 61,510,000 | 58,803,000 |
| Total loans | 46,718,000 | 47,176,000 | 46,540,000 | 47,539,000 |
| Allowance for loan losses | 699,000 | 718,000 | 745,000 | 775,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,786,000 | 45,232,000 | 46,380,000 | 43,905,000 |
| Interest-bearing deposits | 37,553,000 | 34,972,000 | 41,757,000 | 39,334,000 |
| Noninterest-bearing deposits | 7,233,000 | 10,260,000 | 4,623,000 | 4,571,000 |
| Equity capital | 5,353,000 | 5,445,000 | 5,547,000 | 5,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,005,000 | 2,000,000 | 2,971,000 | 3,922,000 |
| Interest expense | 507,000 | 977,000 | 1,456,000 | 1,935,000 |
| Net interest income | 498,000 | 1,023,000 | 1,515,000 | 1,987,000 |
| Noninterest income | 54,000 | 128,000 | 196,000 | 256,000 |
| Noninterest expense | 351,000 | 752,000 | 1,125,000 | 1,555,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 98,000 |
| Pretax income | 178,000 | 354,000 | 518,000 | 590,000 |
| Income tax | 57,000 | 141,000 | 203,000 | 228,000 |
| Net income | 121,000 | 213,000 | 315,000 | 362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,353,000 | 5,445,000 | 5,547,000 | 5,594,000 |
| Total capital | 5,912,000 | 6,019,000 | 6,143,000 | 6,214,000 |
| Risk-weighted assets | 47,727,000 | 48,225,000 | 53,513,000 | 49,624,000 |
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