Call reports 2007
WEST BANK — 2007
What WEST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,312,172,000 | 1,277,862,000 | 1,280,377,000 | 1,322,712,000 |
| Total loans | 946,745,000 | 937,257,000 | 943,393,000 | 985,423,000 |
| Allowance for loan losses | 8,743,000 | 8,779,000 | 8,905,000 | 8,935,000 |
| Securities available for sale | 252,976,000 | 245,347,000 | 241,962,000 | 230,708,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 924,247,000 | 863,995,000 | 864,703,000 | 916,192,000 |
| Interest-bearing deposits | 730,903,000 | 670,129,000 | 685,265,000 | 714,227,000 |
| Noninterest-bearing deposits | 193,344,000 | 193,866,000 | 179,438,000 | 201,965,000 |
| Equity capital | 107,558,000 | 108,024,000 | 111,748,000 | 114,328,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 20,240,000 | 41,258,000 | 61,894,000 | 82,018,000 |
| Interest expense | 10,780,000 | 21,849,000 | 32,630,000 | 43,119,000 |
| Net interest income | 9,460,000 | 19,409,000 | 29,264,000 | 38,899,000 |
| Noninterest income | 1,895,000 | 4,126,000 | 6,205,000 | 8,329,000 |
| Noninterest expense | 4,279,000 | 8,437,000 | 12,657,000 | 16,776,000 |
| Provision for loan losses | 300,000 | 650,000 | 1,150,000 | 2,350,000 |
| Pretax income | 6,779,000 | 14,451,000 | 21,676,000 | 28,119,000 |
| Income tax | 2,143,000 | 4,633,000 | 6,834,000 | 8,833,000 |
| Net income | 4,636,000 | 9,818,000 | 14,842,000 | 19,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,442,000 | 96,828,000 | 99,056,000 | 100,669,000 |
| Total capital | 123,185,000 | 115,607,000 | 117,961,000 | 119,604,000 |
| Risk-weighted assets | 1,074,145,000 | 1,060,199,000 | 1,068,807,000 | 1,109,339,000 |
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