Call reports 2009
WEST UNION BANK — 2009
What WEST UNION 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 | 103,471,000 | 102,905,000 | 102,214,000 | 102,514,000 |
| Total loans | 65,050,000 | 68,250,000 | 70,156,000 | 69,797,000 |
| Allowance for loan losses | 649,000 | 648,000 | 671,000 | 695,000 |
| Securities available for sale | 25,126,000 | 25,239,000 | 23,378,000 | 23,591,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,156,000 | 85,764,000 | 85,641,000 | 87,041,000 |
| Interest-bearing deposits | 65,133,000 | 66,131,000 | 66,135,000 | 66,153,000 |
| Noninterest-bearing deposits | 20,023,000 | 19,633,000 | 19,506,000 | 20,888,000 |
| Equity capital | 11,275,000 | 11,355,000 | 11,842,000 | 11,746,000 |
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 | 1,323,000 | 2,639,000 | 3,942,000 | 5,243,000 |
| Interest expense | 330,000 | 658,000 | 946,000 | 1,219,000 |
| Net interest income | 993,000 | 1,981,000 | 2,996,000 | 4,024,000 |
| Noninterest income | 168,000 | 349,000 | 545,000 | 746,000 |
| Noninterest expense | 965,000 | 1,879,000 | 2,872,000 | 3,927,000 |
| Provision for loan losses | 0 | 15,000 | 41,000 | 77,000 |
| Pretax income | 196,000 | 436,000 | 628,000 | 767,000 |
| Income tax | 37,000 | 61,000 | 78,000 | 87,000 |
| Net income | 159,000 | 375,000 | 550,000 | 680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,179,000 | 11,367,000 | 11,542,000 | 11,507,000 |
| Total capital | 11,828,000 | 12,015,000 | 12,213,000 | 12,202,000 |
| Risk-weighted assets | 66,579,000 | 69,148,000 | 69,697,000 | 69,416,000 |
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