Call reports 2021
WEST UNION BANK — 2021
What WEST UNION BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 228,325,000 | 227,159,000 | 231,475,000 | 239,603,000 |
| Total loans | 94,118,000 | 90,292,000 | 91,392,000 | 91,585,000 |
| Allowance for loan losses | 1,512,000 | 1,572,000 | 1,645,000 | 1,591,000 |
| Securities available for sale | 112,966,000 | 126,030,000 | 122,125,000 | 131,665,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,279,000 | 192,003,000 | 198,258,000 | 206,900,000 |
| Interest-bearing deposits | 121,371,000 | 112,918,000 | 118,944,000 | 119,728,000 |
| Noninterest-bearing deposits | 74,908,000 | 79,085,000 | 79,314,000 | 87,172,000 |
| Equity capital | 21,751,000 | 22,995,000 | 23,637,000 | 22,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,785,000 | 3,587,000 | 5,372,000 | 7,170,000 |
| Interest expense | 107,000 | 215,000 | 323,000 | 433,000 |
| Net interest income | 1,678,000 | 3,372,000 | 5,049,000 | 6,737,000 |
| Noninterest income | 213,000 | 457,000 | 701,000 | 974,000 |
| Noninterest expense | 1,246,000 | 2,483,000 | 3,796,000 | 5,189,000 |
| Provision for loan losses | 55,000 | 80,000 | 145,000 | 145,000 |
| Pretax income | 590,000 | 1,266,000 | 1,809,000 | 2,377,000 |
| Income tax | 72,000 | 147,000 | 197,000 | 155,000 |
| Net income | 518,000 | 1,119,000 | 1,612,000 | 2,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,334,000 | 19,937,000 | 20,430,000 | 20,298,000 |
| Total capital | 20,869,000 | 21,481,000 | 21,991,000 | 21,866,000 |
| Risk-weighted assets | 126,453,000 | 123,403,000 | 124,793,000 | 125,377,000 |