Call reports 2012
WEST UNION BANK — 2012
What WEST UNION 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 | 121,775,000 | 127,072,000 | 130,534,000 | 135,173,000 |
| Total loans | 69,589,000 | 69,953,000 | 70,269,000 | 71,510,000 |
| Allowance for loan losses | 702,000 | 704,000 | 702,000 | 648,000 |
| Securities available for sale | 34,203,000 | 38,275,000 | 43,817,000 | 45,643,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,211,000 | 110,076,000 | 112,665,000 | 118,612,000 |
| Interest-bearing deposits | 75,010,000 | 81,003,000 | 82,401,000 | 83,827,000 |
| Noninterest-bearing deposits | 29,201,000 | 29,073,000 | 30,264,000 | 34,785,000 |
| Equity capital | 12,678,000 | 12,878,000 | 13,125,000 | 12,937,000 |
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 | 1,179,000 | 2,371,000 | 3,550,000 | 4,778,000 |
| Interest expense | 173,000 | 345,000 | 520,000 | 690,000 |
| Net interest income | 1,006,000 | 2,026,000 | 3,030,000 | 4,088,000 |
| Noninterest income | 171,000 | 370,000 | 584,000 | 835,000 |
| Noninterest expense | 1,027,000 | 2,016,000 | 3,051,000 | 4,152,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 152,000 | 410,000 | 595,000 | 789,000 |
| Income tax | 13,000 | 62,000 | 83,000 | 105,000 |
| Net income | 139,000 | 348,000 | 512,000 | 684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,325,000 | 12,534,000 | 12,689,000 | 12,535,000 |
| Total capital | 13,027,000 | 13,238,000 | 13,391,000 | 13,186,000 |
| Risk-weighted assets | 70,460,000 | 72,683,000 | 74,310,000 | 76,119,000 |
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