Call reports 2018
WEST UNION BANK — 2018
What WEST UNION BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 191,516,000 | 187,907,000 | 187,470,000 | 191,010,000 |
| Total loans | 89,341,000 | 90,752,000 | 92,900,000 | 92,175,000 |
| Allowance for loan losses | 1,269,000 | 1,376,000 | 1,472,000 | 899,000 |
| Securities available for sale | 85,537,000 | 84,704,000 | 80,871,000 | 85,299,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,686,000 | 165,582,000 | 165,777,000 | 167,705,000 |
| Interest-bearing deposits | 103,617,000 | 103,544,000 | 101,889,000 | 103,188,000 |
| Noninterest-bearing deposits | 67,069,000 | 62,038,000 | 63,888,000 | 64,517,000 |
| Equity capital | 13,522,000 | 13,844,000 | 13,784,000 | 14,720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,572,000 | 3,233,000 | 4,937,000 | 6,740,000 |
| Interest expense | 134,000 | 281,000 | 445,000 | 607,000 |
| Net interest income | 1,438,000 | 2,952,000 | 4,492,000 | 6,133,000 |
| Noninterest income | 215,000 | 471,000 | 739,000 | 1,035,000 |
| Noninterest expense | 1,065,000 | 2,274,000 | 3,426,000 | 4,672,000 |
| Provision for loan losses | 80,000 | 165,000 | 310,000 | 380,000 |
| Pretax income | 510,000 | 989,000 | 1,499,000 | 1,912,000 |
| Income tax | 78,000 | 145,000 | 230,000 | 118,000 |
| Net income | 432,000 | 844,000 | 1,269,000 | 1,794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,066,000 | 15,477,000 | 15,902,000 | 15,916,000 |
| Total capital | 16,351,000 | 16,788,000 | 17,248,000 | 16,832,000 |
| Risk-weighted assets | 103,298,000 | 104,807,000 | 107,530,000 | 107,760,000 |