Call reports 2015
WESTBOUND BANK — 2015
What WESTBOUND 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 | 148,069,000 | 162,970,000 | 164,642,000 | 163,777,000 |
| Total loans | 94,249,000 | 104,094,000 | 101,458,000 | 111,654,000 |
| Allowance for loan losses | 1,709,000 | 1,709,000 | 1,693,000 | 1,693,000 |
| Securities available for sale | 17,953,000 | 15,849,000 | 19,318,000 | 20,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,040,000 | 137,562,000 | 140,617,000 | 135,191,000 |
| Interest-bearing deposits | 93,974,000 | 102,929,000 | 103,333,000 | 99,548,000 |
| Noninterest-bearing deposits | 29,066,000 | 34,633,000 | 37,284,000 | 35,643,000 |
| Equity capital | 24,073,000 | 24,349,000 | 22,763,000 | 22,246,000 |
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 | 1,375,000 | 2,882,000 | 4,428,000 | 6,055,000 |
| Interest expense | 167,000 | 345,000 | 552,000 | 759,000 |
| Net interest income | 1,208,000 | 2,537,000 | 3,876,000 | 5,296,000 |
| Noninterest income | 567,000 | 1,223,000 | 1,823,000 | 2,498,000 |
| Noninterest expense | 1,569,000 | 3,155,000 | 4,780,000 | 6,525,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 206,000 | 605,000 | 919,000 | 1,269,000 |
| Income tax | 53,000 | 170,000 | 297,000 | 349,000 |
| Net income | 153,000 | 435,000 | 622,000 | 920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,020,000 | 24,357,000 | 22,756,000 | 22,252,000 |
| Total capital | 25,604,000 | 25,995,000 | 24,440,000 | 23,945,000 |
| Risk-weighted assets | 126,604,000 | 130,974,000 | 134,674,000 | 149,198,000 |