Call reports 2019
WEST UNION BANK — 2019
What WEST UNION BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 189,050,000 | 188,730,000 | 191,285,000 | 201,736,000 |
| Total loans | 95,251,000 | 95,583,000 | 96,440,000 | 92,418,000 |
| Allowance for loan losses | 1,059,000 | 1,168,000 | 1,197,000 | 1,171,000 |
| Securities available for sale | 81,617,000 | 81,512,000 | 83,346,000 | 93,626,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,874,000 | 165,640,000 | 166,059,000 | 174,349,000 |
| Interest-bearing deposits | 99,389,000 | 99,988,000 | 102,189,000 | 100,092,000 |
| Noninterest-bearing deposits | 63,485,000 | 65,651,000 | 63,870,000 | 74,256,000 |
| Equity capital | 15,913,000 | 17,729,000 | 18,534,000 | 18,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,808,000 | 3,643,000 | 5,527,000 | 7,482,000 |
| Interest expense | 183,000 | 347,000 | 503,000 | 646,000 |
| Net interest income | 1,625,000 | 3,296,000 | 5,024,000 | 6,836,000 |
| Noninterest income | 232,000 | 481,000 | 743,000 | 1,007,000 |
| Noninterest expense | 1,145,000 | 2,409,000 | 3,688,000 | 4,926,000 |
| Provision for loan losses | 160,000 | 245,000 | 275,000 | 275,000 |
| Pretax income | 528,000 | 1,098,000 | 1,828,000 | 2,563,000 |
| Income tax | 87,000 | 171,000 | 296,000 | 417,000 |
| Net income | 441,000 | 927,000 | 1,532,000 | 2,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,357,000 | 16,843,000 | 17,448,000 | 17,508,000 |
| Total capital | 17,433,000 | 18,028,000 | 18,662,000 | 18,696,000 |
| Risk-weighted assets | 109,990,000 | 110,312,000 | 113,255,000 | 116,820,000 |