Call reports 2023
WEST UNION BANK — 2023
What WEST UNION BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 269,858,000 | 263,747,000 | 249,294,000 | 260,191,000 |
| Total loans | 105,759,000 | 109,894,000 | 109,456,000 | 114,633,000 |
| Allowance for loan losses | 1,447,000 | 1,494,000 | 1,477,000 | 1,488,000 |
| Securities available for sale | 149,155,000 | 135,564,000 | 119,351,000 | 122,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,512,000 | 235,537,000 | 232,766,000 | 229,967,000 |
| Interest-bearing deposits | 136,973,000 | 132,822,000 | 137,220,000 | 136,386,000 |
| Noninterest-bearing deposits | 108,539,000 | 102,715,000 | 95,546,000 | 93,581,000 |
| Equity capital | 11,364,000 | 11,352,000 | 9,227,000 | 13,129,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,517,000 | 5,052,000 | 7,518,000 | 10,207,000 |
| Interest expense | 361,000 | 875,000 | 1,414,000 | 2,066,000 |
| Net interest income | 2,156,000 | 4,177,000 | 6,104,000 | 8,141,000 |
| Noninterest income | 244,000 | 495,000 | 764,000 | 1,044,000 |
| Noninterest expense | 1,524,000 | 2,973,000 | 4,599,000 | 6,223,000 |
| Provision for loan losses | 120,000 | 205,000 | 205,000 | 327,000 |
| Pretax income | 756,000 | 1,239,000 | 1,769,000 | 1,398,000 |
| Income tax | 82,000 | 116,000 | 131,000 | -98,000 |
| Net income | 674,000 | 1,123,000 | 1,638,000 | 1,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,501,000 | 22,951,000 | 23,465,000 | 22,582,000 |
| Total capital | 23,970,000 | 24,467,000 | 24,964,000 | 24,092,000 |
| Risk-weighted assets | 150,803,000 | 153,281,000 | 150,030,000 | 152,992,000 |