Call reports 2012
WEST VIEW SAVINGS BANK — 2012
What WEST VIEW SAVINGS 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 | 306,619,000 | 273,272,000 | 296,794,000 | 254,293,000 |
| Total loans | 44,315,000 | 39,818,000 | 39,065,000 | 33,799,000 |
| Allowance for loan losses | 440,000 | 385,000 | 361,000 | 336,000 |
| Securities available for sale | 43,423,000 | 57,620,000 | 81,382,000 | 78,674,000 |
| Securities held to maturity | 201,196,000 | 161,486,000 | 162,580,000 | 129,977,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,769,000 | 143,830,000 | 143,468,000 | 141,641,000 |
| Interest-bearing deposits | 127,354,000 | 128,167,000 | 127,129,000 | 125,901,000 |
| Noninterest-bearing deposits | 15,415,000 | 15,662,000 | 16,339,000 | 15,740,000 |
| Equity capital | 28,696,000 | 29,005,000 | 29,545,000 | 29,756,000 |
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 | 1,748,000 | 3,542,000 | 5,158,000 | 6,711,000 |
| Interest expense | 385,000 | 769,000 | 1,141,000 | 1,506,000 |
| Net interest income | 1,363,000 | 2,773,000 | 4,017,000 | 5,205,000 |
| Noninterest income | 101,000 | 227,000 | 349,000 | 574,000 |
| Noninterest expense | 857,000 | 1,763,000 | 2,660,000 | 3,530,000 |
| Provision for loan losses | -11,000 | -66,000 | -90,000 | -115,000 |
| Pretax income | 618,000 | 1,307,000 | 1,809,000 | 2,377,000 |
| Income tax | 223,000 | 497,000 | 591,000 | 809,000 |
| Net income | 395,000 | 810,000 | 1,218,000 | 1,568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,172,000 | 30,390,000 | 30,544,000 | 30,553,000 |
| Total capital | 30,638,000 | 30,803,000 | 30,934,000 | 30,920,000 |
| Risk-weighted assets | 159,202,000 | 155,588,000 | 174,774,000 | 155,336,000 |