Call reports 2022
WEST UNION BANK — 2022
What WEST UNION BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 244,901,000 | 243,497,000 | 258,183,000 | 276,639,000 |
| Total loans | 89,116,000 | 90,478,000 | 93,206,000 | 102,147,000 |
| Allowance for loan losses | 1,537,000 | 1,443,000 | 1,424,000 | 1,353,000 |
| Securities available for sale | 138,025,000 | 135,043,000 | 141,688,000 | 148,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,212,000 | 224,882,000 | 243,319,000 | 258,108,000 |
| Interest-bearing deposits | 123,962,000 | 131,272,000 | 141,893,000 | 150,910,000 |
| Noninterest-bearing deposits | 94,250,000 | 93,610,000 | 101,426,000 | 107,198,000 |
| Equity capital | 17,749,000 | 10,627,000 | 8,717,000 | 10,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,745,000 | 3,602,000 | 5,626,000 | 8,020,000 |
| Interest expense | 109,000 | 247,000 | 446,000 | 720,000 |
| Net interest income | 1,636,000 | 3,355,000 | 5,180,000 | 7,300,000 |
| Noninterest income | 218,000 | 459,000 | 711,000 | 984,000 |
| Noninterest expense | 1,350,000 | 2,731,000 | 4,318,000 | 5,787,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 504,000 | 1,096,000 | 1,586,000 | 2,314,000 |
| Income tax | 35,000 | 89,000 | 115,000 | 44,000 |
| Net income | 469,000 | 1,007,000 | 1,471,000 | 2,270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,768,000 | 21,305,000 | 21,769,000 | 21,827,000 |
| Total capital | 22,327,000 | 22,771,000 | 23,215,000 | 23,203,000 |
| Risk-weighted assets | 127,556,000 | 133,268,000 | 136,436,000 | 146,626,000 |