Call reports 2015
WEST VIEW SAVINGS BANK — 2015
What WEST VIEW SAVINGS 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 | 321,103,000 | 329,618,000 | 332,998,000 | 329,341,000 |
| Total loans | 38,383,000 | 46,466,000 | 52,866,000 | 58,135,000 |
| Allowance for loan losses | 286,000 | 303,000 | 323,000 | 351,000 |
| Securities available for sale | 57,966,000 | 66,916,000 | 88,200,000 | 91,804,000 |
| Securities held to maturity | 207,270,000 | 199,257,000 | 176,551,000 | 163,067,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,415,000 | 140,713,000 | 137,476,000 | 142,595,000 |
| Interest-bearing deposits | 124,033,000 | 122,026,000 | 120,110,000 | 121,899,000 |
| Noninterest-bearing deposits | 19,382,000 | 18,687,000 | 17,366,000 | 20,696,000 |
| Equity capital | 30,573,000 | 30,445,000 | 30,515,000 | 30,402,000 |
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 | 1,729,000 | 3,299,000 | 4,924,000 | 6,532,000 |
| Interest expense | 284,000 | 583,000 | 895,000 | 1,215,000 |
| Net interest income | 1,445,000 | 2,716,000 | 4,029,000 | 5,317,000 |
| Noninterest income | 133,000 | 275,000 | 414,000 | 550,000 |
| Noninterest expense | 869,000 | 1,758,000 | 2,663,000 | 3,566,000 |
| Provision for loan losses | 31,000 | 48,000 | 68,000 | 96,000 |
| Pretax income | 678,000 | 1,185,000 | 1,712,000 | 2,226,000 |
| Income tax | 209,000 | 389,000 | 590,000 | 793,000 |
| Net income | 469,000 | 796,000 | 1,122,000 | 1,433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,979,000 | 30,906,000 | 30,932,000 | 30,943,000 |
| Total capital | 31,316,000 | 31,261,000 | 31,317,000 | 31,341,000 |
| Risk-weighted assets | 137,889,000 | 149,333,000 | 169,163,000 | 171,792,000 |