Call reports 2013
WEST UNION BANK — 2013
What WEST UNION 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 | 138,150,000 | 136,428,000 | 136,155,000 | 138,795,000 |
| Total loans | 73,657,000 | 73,318,000 | 75,188,000 | 78,751,000 |
| Allowance for loan losses | 658,000 | 670,000 | 693,000 | 742,000 |
| Securities available for sale | 45,415,000 | 47,074,000 | 47,360,000 | 45,585,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,221,000 | 119,934,000 | 119,018,000 | 122,695,000 |
| Interest-bearing deposits | 84,366,000 | 83,721,000 | 82,642,000 | 83,676,000 |
| Noninterest-bearing deposits | 36,856,000 | 36,213,000 | 36,376,000 | 39,019,000 |
| Equity capital | 13,052,000 | 12,206,000 | 12,315,000 | 12,051,000 |
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 | 1,190,000 | 2,333,000 | 3,534,000 | 4,749,000 |
| Interest expense | 143,000 | 258,000 | 371,000 | 482,000 |
| Net interest income | 1,047,000 | 2,075,000 | 3,163,000 | 4,267,000 |
| Noninterest income | 193,000 | 402,000 | 615,000 | 850,000 |
| Noninterest expense | 979,000 | 1,993,000 | 3,047,000 | 4,225,000 |
| Provision for loan losses | 35,000 | 55,000 | 85,000 | 137,000 |
| Pretax income | 237,000 | 440,000 | 657,000 | 766,000 |
| Income tax | 33,000 | 52,000 | 72,000 | 44,000 |
| Net income | 204,000 | 388,000 | 585,000 | 722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,723,000 | 12,780,000 | 12,976,000 | 12,795,000 |
| Total capital | 13,386,000 | 13,456,000 | 13,678,000 | 13,547,000 |
| Risk-weighted assets | 78,224,000 | 80,284,000 | 83,400,000 | 87,074,000 |
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