Call reports 2014
WEST UNION BANK — 2014
What WEST UNION 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 | 139,506,000 | 142,388,000 | 142,625,000 | 155,262,000 |
| Total loans | 79,197,000 | 80,091,000 | 81,261,000 | 82,824,000 |
| Allowance for loan losses | 753,000 | 766,000 | 776,000 | 752,000 |
| Securities available for sale | 43,495,000 | 41,218,000 | 42,578,000 | 46,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,940,000 | 124,569,000 | 124,656,000 | 137,574,000 |
| Interest-bearing deposits | 83,808,000 | 84,820,000 | 86,122,000 | 92,814,000 |
| Noninterest-bearing deposits | 39,132,000 | 39,749,000 | 38,534,000 | 44,760,000 |
| Equity capital | 12,556,000 | 13,034,000 | 13,262,000 | 13,260,000 |
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 | 1,202,000 | 2,393,000 | 3,587,000 | 4,814,000 |
| Interest expense | 107,000 | 213,000 | 318,000 | 424,000 |
| Net interest income | 1,095,000 | 2,180,000 | 3,269,000 | 4,390,000 |
| Noninterest income | 175,000 | 368,000 | 567,000 | 793,000 |
| Noninterest expense | 981,000 | 2,063,000 | 3,092,000 | 4,282,000 |
| Provision for loan losses | 45,000 | 75,000 | 115,000 | 115,000 |
| Pretax income | 244,000 | 410,000 | 647,000 | 804,000 |
| Income tax | 41,000 | 59,000 | 68,000 | 31,000 |
| Net income | 203,000 | 351,000 | 579,000 | 773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,998,000 | 13,146,000 | 13,314,000 | 13,193,000 |
| Total capital | 13,761,000 | 13,923,000 | 14,102,000 | 13,958,000 |
| Risk-weighted assets | 87,174,000 | 87,808,000 | 89,380,000 | 92,961,000 |