Call reports 2013
WEST ONE BANK — 2013
What WEST ONE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 40,133,000 | 38,301,000 | 37,454,000 | 37,857,000 |
| Total loans | 25,647,000 | 25,952,000 | 28,004,000 | 28,060,000 |
| Allowance for loan losses | 748,000 | 855,000 | 992,000 | 978,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,835,000 | 28,967,000 | 28,045,000 | 28,385,000 |
| Interest-bearing deposits | 25,865,000 | 21,079,000 | 22,133,000 | 22,353,000 |
| Noninterest-bearing deposits | 4,970,000 | 7,888,000 | 5,912,000 | 6,032,000 |
| Equity capital | 5,472,000 | 5,549,000 | 5,628,000 | 5,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 436,000 | 881,000 | 1,345,000 | 1,806,000 |
| Interest expense | 93,000 | 182,000 | 267,000 | 348,000 |
| Net interest income | 343,000 | 699,000 | 1,078,000 | 1,458,000 |
| Noninterest income | 46,000 | 99,000 | 152,000 | 193,000 |
| Noninterest expense | 288,000 | 583,000 | 893,000 | 1,198,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 101,000 | 215,000 | 337,000 | 453,000 |
| Income tax | 35,000 | 71,000 | 115,000 | 164,000 |
| Net income | 66,000 | 144,000 | 222,000 | 289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,472,000 | 5,549,000 | 5,628,000 | 5,695,000 |
| Total capital | 5,770,000 | 5,862,000 | 5,959,000 | 6,020,000 |
| Risk-weighted assets | 23,386,000 | 23,835,000 | 25,827,000 | 25,321,000 |