Call reports 2011
WEST ONE BANK — 2011
What WEST ONE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 46,228,000 | 44,631,000 | 43,595,000 | 43,280,000 |
| Total loans | 34,968,000 | 34,075,000 | 32,479,000 | 30,000,000 |
| Allowance for loan losses | 960,000 | 991,000 | 1,084,000 | 831,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,631,000 | 32,078,000 | 31,465,000 | 32,276,000 |
| Interest-bearing deposits | 30,057,000 | 28,511,000 | 27,919,000 | 28,749,000 |
| Noninterest-bearing deposits | 3,574,000 | 3,567,000 | 3,546,000 | 3,527,000 |
| Equity capital | 6,121,000 | 6,172,000 | 6,214,000 | 5,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 620,000 | 1,233,000 | 1,831,000 | 2,375,000 |
| Interest expense | 191,000 | 373,000 | 548,000 | 703,000 |
| Net interest income | 429,000 | 860,000 | 1,283,000 | 1,672,000 |
| Noninterest income | 51,000 | 119,000 | 169,000 | 196,000 |
| Noninterest expense | 319,000 | 645,000 | 963,000 | 1,293,000 |
| Provision for loan losses | 180,000 | 255,000 | 330,000 | 2,140,000 |
| Pretax income | -19,000 | 79,000 | 159,000 | -1,565,000 |
| Income tax | -25,000 | 23,000 | 60,000 | -600,000 |
| Net income | 6,000 | 56,000 | 99,000 | -965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,121,000 | 6,172,000 | 6,214,000 | 4,664,000 |
| Total capital | 6,563,000 | 6,506,000 | 6,485,000 | 5,047,000 |
| Risk-weighted assets | 34,827,000 | 34,006,000 | 28,790,000 | 30,204,000 |