Call reports 2015
BANKERS' BANK OF THE WEST — 2015
What BANKERS' BANK OF THE WEST 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 | 363,961,000 | 359,564,000 | 349,628,000 | 335,794,000 |
| Total loans | 202,277,000 | 205,676,000 | 187,386,000 | 189,740,000 |
| Allowance for loan losses | 4,488,000 | 4,497,000 | 4,507,000 | 4,564,000 |
| Securities available for sale | 47,104,000 | 42,879,000 | 40,847,000 | 39,060,000 |
| Securities held to maturity | 1,415,000 | 1,327,000 | 1,256,000 | 1,188,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,246,000 | 304,135,000 | 295,432,000 | 280,111,000 |
| Interest-bearing deposits | 148,847,000 | 159,499,000 | 166,685,000 | 144,326,000 |
| Noninterest-bearing deposits | 160,399,000 | 144,636,000 | 128,747,000 | 135,785,000 |
| Equity capital | 42,055,000 | 42,362,000 | 42,687,000 | 42,884,000 |
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 | 2,458,000 | 4,987,000 | 7,478,000 | 9,809,000 |
| Interest expense | 310,000 | 661,000 | 1,055,000 | 1,455,000 |
| Net interest income | 2,148,000 | 4,326,000 | 6,423,000 | 8,354,000 |
| Noninterest income | 2,342,000 | 4,976,000 | 7,905,000 | 10,515,000 |
| Noninterest expense | 3,664,000 | 7,540,000 | 11,623,000 | 15,359,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 826,000 | 1,762,000 | 2,705,000 | 3,510,000 |
| Income tax | 296,000 | 634,000 | 974,000 | 1,251,000 |
| Net income | 530,000 | 1,128,000 | 1,731,000 | 2,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,573,000 | 39,865,000 | 40,187,000 | 41,134,000 |
| Total capital | 42,551,000 | 42,849,000 | 43,036,000 | 44,030,000 |
| Risk-weighted assets | 236,788,000 | 235,788,000 | 224,843,000 | 229,033,000 |