Call reports 2012
WEST ONE BANK — 2012
What WEST ONE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 42,241,000 | 41,383,000 | 42,560,000 | 39,484,000 |
| Total loans | 28,996,000 | 28,286,000 | 27,130,000 | 26,324,000 |
| Allowance for loan losses | 833,000 | 841,000 | 726,000 | 736,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,161,000 | 30,245,000 | 31,335,000 | 30,301,000 |
| Interest-bearing deposits | 27,072,000 | 26,492,000 | 26,701,000 | 26,390,000 |
| Noninterest-bearing deposits | 4,089,000 | 3,753,000 | 4,634,000 | 3,911,000 |
| Equity capital | 5,243,000 | 5,321,000 | 5,382,000 | 5,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 515,000 | 1,015,000 | 1,476,000 | 1,940,000 |
| Interest expense | 146,000 | 272,000 | 395,000 | 506,000 |
| Net interest income | 369,000 | 743,000 | 1,081,000 | 1,434,000 |
| Noninterest income | 47,000 | 100,000 | 148,000 | 191,000 |
| Noninterest expense | 275,000 | 564,000 | 855,000 | 1,171,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 141,000 | 279,000 | 374,000 | 404,000 |
| Income tax | 48,000 | 108,000 | 142,000 | 148,000 |
| Net income | 93,000 | 171,000 | 232,000 | 256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,852,000 | 5,056,000 | 5,164,000 | 5,406,000 |
| Total capital | 5,221,000 | 5,408,000 | 5,373,000 | 5,713,000 |
| Risk-weighted assets | 29,018,000 | 27,675,000 | 26,194,000 | 24,157,000 |