Call reports 2015
WEST BANK — 2015
What WEST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,638,299,000 | 1,644,262,000 | 1,722,605,000 | 1,739,896,000 |
| Total loans | 1,184,447,000 | 1,217,378,000 | 1,240,038,000 | 1,246,688,000 |
| Allowance for loan losses | 13,878,000 | 14,364,000 | 14,660,000 | 14,967,000 |
| Securities available for sale | 263,913,000 | 244,901,000 | 325,317,000 | 320,414,000 |
| Securities held to maturity | 51,322,000 | 51,302,000 | 51,280,000 | 51,259,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,377,441,000 | 1,380,308,000 | 1,400,096,000 | 1,454,404,000 |
| Interest-bearing deposits | 997,738,000 | 941,902,000 | 939,601,000 | 954,022,000 |
| Noninterest-bearing deposits | 379,703,000 | 438,406,000 | 460,495,000 | 500,382,000 |
| Equity capital | 152,606,000 | 153,237,000 | 156,121,000 | 159,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 14,521,000 | 29,340,000 | 44,487,000 | 60,147,000 |
| Interest expense | 1,323,000 | 2,550,000 | 3,754,000 | 5,056,000 |
| Net interest income | 13,198,000 | 26,790,000 | 40,733,000 | 55,091,000 |
| Noninterest income | 1,844,000 | 3,725,000 | 5,655,000 | 8,136,000 |
| Noninterest expense | 7,290,000 | 14,646,000 | 22,112,000 | 29,653,000 |
| Provision for loan losses | 0 | 200,000 | 400,000 | 850,000 |
| Pretax income | 7,763,000 | 15,716,000 | 23,923,000 | 32,771,000 |
| Income tax | 2,422,000 | 4,912,000 | 7,504,000 | 10,225,000 |
| Net income | 5,341,000 | 10,804,000 | 16,419,000 | 22,546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 151,748,000 | 153,725,000 | 155,996,000 | 159,467,000 |
| Total capital | 165,626,000 | 168,089,000 | 170,656,000 | 174,450,000 |
| Risk-weighted assets | 1,446,115,000 | 1,480,971,000 | 1,528,599,000 | 1,540,992,000 |