Call reports 2012
WESTBOUND BANK — 2012
What WESTBOUND 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 | 145,148,000 | 137,821,000 | 143,104,000 | 129,339,000 |
| Total loans | 81,879,000 | 77,323,000 | 79,721,000 | 80,657,000 |
| Allowance for loan losses | 2,109,000 | 1,669,000 | 1,614,000 | 1,483,000 |
| Securities available for sale | 23,589,000 | 26,284,000 | 19,903,000 | 22,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,418,000 | 110,211,000 | 114,303,000 | 108,002,000 |
| Interest-bearing deposits | 93,664,000 | 89,714,000 | 89,326,000 | 88,589,000 |
| Noninterest-bearing deposits | 24,754,000 | 20,497,000 | 24,977,000 | 19,413,000 |
| Equity capital | 18,790,000 | 19,419,000 | 20,379,000 | 20,577,000 |
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 | 1,362,000 | 2,709,000 | 4,014,000 | 5,296,000 |
| Interest expense | 293,000 | 562,000 | 814,000 | 1,045,000 |
| Net interest income | 1,069,000 | 2,147,000 | 3,200,000 | 4,251,000 |
| Noninterest income | 460,000 | 1,030,000 | 1,997,000 | 2,517,000 |
| Noninterest expense | 1,567,000 | 3,136,000 | 4,445,000 | 5,770,000 |
| Provision for loan losses | 167,000 | -408,000 | -408,000 | -408,000 |
| Pretax income | -189,000 | 466,000 | 1,185,000 | 1,422,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -189,000 | 466,000 | 1,185,000 | 1,422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,623,000 | 19,269,000 | 19,974,000 | 20,208,000 |
| Total capital | 19,920,000 | 20,534,000 | 21,319,000 | 21,525,000 |
| Risk-weighted assets | 102,916,000 | 100,763,000 | 107,344,000 | 105,254,000 |