Call reports 2008
WEST VIEW SAVINGS BANK — 2008
What WEST VIEW SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 438,343,000 | 422,710,000 | 411,018,000 | 444,743,000 |
| Total loans | 58,462,000 | 57,433,000 | 58,453,000 | 58,709,000 |
| Allowance for loan losses | 977,000 | 956,000 | 950,000 | 977,000 |
| Securities available for sale | 27,093,000 | 9,691,000 | 2,649,000 | 2,627,000 |
| Securities held to maturity | 328,732,000 | 334,249,000 | 322,985,000 | 345,076,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,460,000 | 153,369,000 | 151,925,000 | 149,263,000 |
| Interest-bearing deposits | 142,101,000 | 141,238,000 | 139,137,000 | 135,528,000 |
| Noninterest-bearing deposits | 12,359,000 | 12,131,000 | 12,788,000 | 13,735,000 |
| Equity capital | 29,733,000 | 29,736,000 | 29,767,000 | 30,084,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,685,000 | 10,637,000 | 15,518,000 | 20,511,000 |
| Interest expense | 3,610,000 | 6,760,000 | 9,801,000 | 12,456,000 |
| Net interest income | 2,075,000 | 3,877,000 | 5,717,000 | 8,055,000 |
| Noninterest income | 138,000 | 289,000 | 456,000 | 612,000 |
| Noninterest expense | 829,000 | 1,702,000 | 2,641,000 | 3,554,000 |
| Provision for loan losses | -58,000 | -117,000 | -123,000 | -96,000 |
| Pretax income | 1,442,000 | 2,581,000 | 3,655,000 | 5,209,000 |
| Income tax | 475,000 | 875,000 | 1,167,000 | 1,671,000 |
| Net income | 967,000 | 1,706,000 | 2,488,000 | 3,538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,653,000 | 29,661,000 | 29,718,000 | 30,047,000 |
| Total capital | 30,661,000 | 30,647,000 | 30,712,000 | 31,054,000 |
| Risk-weighted assets | 166,619,000 | 147,200,000 | 149,372,000 | 172,508,000 |
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