Call reports 2015
WEST UNION BANK — 2015
What WEST UNION BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 161,965,000 | 162,670,000 | 159,461,000 | 165,434,000 |
| Total loans | 80,537,000 | 81,742,000 | 83,095,000 | 82,426,000 |
| Allowance for loan losses | 754,000 | 759,000 | 767,000 | 758,000 |
| Securities available for sale | 50,365,000 | 56,329,000 | 55,259,000 | 59,672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,317,000 | 144,603,000 | 140,236,000 | 147,105,000 |
| Interest-bearing deposits | 96,918,000 | 96,541,000 | 95,131,000 | 100,321,000 |
| Noninterest-bearing deposits | 47,399,000 | 48,062,000 | 45,105,000 | 46,784,000 |
| Equity capital | 13,686,000 | 13,542,000 | 14,011,000 | 13,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,199,000 | 2,411,000 | 3,664,000 | 4,929,000 |
| Interest expense | 101,000 | 205,000 | 306,000 | 410,000 |
| Net interest income | 1,098,000 | 2,206,000 | 3,358,000 | 4,519,000 |
| Noninterest income | 188,000 | 378,000 | 585,000 | 807,000 |
| Noninterest expense | 1,048,000 | 2,180,000 | 3,264,000 | 4,384,000 |
| Provision for loan losses | 20,000 | 50,000 | 65,000 | 100,000 |
| Pretax income | 219,000 | 366,000 | 631,000 | 859,000 |
| Income tax | 30,000 | 47,000 | 69,000 | 74,000 |
| Net income | 189,000 | 319,000 | 562,000 | 785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,382,000 | 13,512,000 | 13,754,000 | 13,659,000 |
| Total capital | 14,152,000 | 14,286,000 | 14,537,000 | 14,432,000 |
| Risk-weighted assets | 92,537,000 | 93,816,000 | 94,828,000 | 94,071,000 |