Call reports 2012
WEST BANK — 2012
What WEST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,308,673,000 | 1,338,039,000 | 1,253,687,000 | 1,435,659,000 |
| Total loans | 847,942,000 | 860,191,000 | 858,676,000 | 930,764,000 |
| Allowance for loan losses | 16,651,000 | 15,373,000 | 15,637,000 | 15,529,000 |
| Securities available for sale | 304,700,000 | 316,521,000 | 309,507,000 | 290,680,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 970,779,000 | 1,034,256,000 | 934,007,000 | 1,141,575,000 |
| Interest-bearing deposits | 697,012,000 | 746,736,000 | 638,429,000 | 767,295,000 |
| Noninterest-bearing deposits | 273,767,000 | 287,520,000 | 295,578,000 | 374,280,000 |
| Equity capital | 132,435,000 | 131,558,000 | 134,162,000 | 135,987,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 12,694,000 | 25,578,000 | 38,119,000 | 50,617,000 |
| Interest expense | 2,335,000 | 4,653,000 | 6,762,000 | 8,712,000 |
| Net interest income | 10,359,000 | 20,925,000 | 31,357,000 | 41,905,000 |
| Noninterest income | 2,467,000 | 5,546,000 | 8,134,000 | 10,615,000 |
| Noninterest expense | 6,629,000 | 13,448,000 | 20,229,000 | 26,903,000 |
| Provision for loan losses | 0 | 0 | 300,000 | 625,000 |
| Pretax income | 6,164,000 | 13,269,000 | 19,208,000 | 25,238,000 |
| Income tax | 1,847,000 | 3,754,000 | 5,599,000 | 7,538,000 |
| Net income | 4,317,000 | 9,515,000 | 13,609,000 | 17,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 129,586,000 | 127,999,000 | 130,133,000 | 132,276,000 |
| Total capital | 141,215,000 | 139,948,000 | 142,030,000 | 145,252,000 |
| Risk-weighted assets | 925,314,000 | 952,495,000 | 948,037,000 | 1,035,551,000 |
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