Call reports 2014
WEST ONE BANK — 2014
What WEST ONE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 39,503,000 | 39,339,000 | 39,876,000 | 40,057,000 |
| Total loans | 28,571,000 | 30,149,000 | 30,223,000 | 32,070,000 |
| Allowance for loan losses | 650,000 | 652,000 | 727,000 | 744,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,603,000 | 28,174,000 | 28,555,000 | 28,708,000 |
| Interest-bearing deposits | 22,478,000 | 21,653,000 | 21,905,000 | 22,008,000 |
| Noninterest-bearing deposits | 7,125,000 | 6,521,000 | 6,650,000 | 6,700,000 |
| Equity capital | 6,016,000 | 6,109,000 | 6,187,000 | 6,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 470,000 | 939,000 | 1,410,000 | 1,921,000 |
| Interest expense | 78,000 | 154,000 | 233,000 | 310,000 |
| Net interest income | 392,000 | 785,000 | 1,177,000 | 1,611,000 |
| Noninterest income | 38,000 | 80,000 | 124,000 | 250,000 |
| Noninterest expense | 294,000 | 603,000 | 896,000 | 1,306,000 |
| Provision for loan losses | -400,000 | -400,000 | -400,000 | -400,000 |
| Pretax income | 536,000 | 662,000 | 805,000 | 955,000 |
| Income tax | 215,000 | 249,000 | 313,000 | 385,000 |
| Net income | 321,000 | 413,000 | 492,000 | 570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,016,000 | 6,109,000 | 6,187,000 | 6,265,000 |
| Total capital | 6,351,000 | 6,451,000 | 6,530,000 | 6,636,000 |
| Risk-weighted assets | 26,451,000 | 27,057,000 | 27,039,000 | 29,283,000 |