Call reports 2009
WEST ONE BANK — 2009
What WEST ONE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 57,625,000 | 58,702,000 | 60,611,000 | 58,281,000 |
| Total loans | 46,989,000 | 47,762,000 | 48,394,000 | 47,994,000 |
| Allowance for loan losses | 810,000 | 824,000 | 860,000 | 956,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,124,000 | 43,284,000 | 45,396,000 | 43,297,000 |
| Interest-bearing deposits | 38,218,000 | 39,868,000 | 41,354,000 | 39,160,000 |
| Noninterest-bearing deposits | 3,906,000 | 3,416,000 | 4,043,000 | 4,137,000 |
| Equity capital | 5,741,000 | 5,867,000 | 5,966,000 | 5,921,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 922,000 | 1,821,000 | 2,751,000 | 3,654,000 |
| Interest expense | 401,000 | 780,000 | 1,134,000 | 1,466,000 |
| Net interest income | 521,000 | 1,041,000 | 1,617,000 | 2,188,000 |
| Noninterest income | 65,000 | 153,000 | 215,000 | 282,000 |
| Noninterest expense | 401,000 | 846,000 | 1,240,000 | 1,655,000 |
| Provision for loan losses | 38,000 | 75,000 | 168,000 | 288,000 |
| Pretax income | 147,000 | 273,000 | 424,000 | 527,000 |
| Income tax | 0 | 0 | 52,000 | 200,000 |
| Net income | 147,000 | 273,000 | 372,000 | 327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,741,000 | 5,867,000 | 5,966,000 | 5,921,000 |
| Total capital | 6,347,000 | 6,487,000 | 6,584,000 | 6,531,000 |
| Risk-weighted assets | 47,493,000 | 48,666,000 | 48,606,000 | 48,100,000 |