Call reports 2001
WEST END BANK, S. B. — 2001
What WEST END BANK, S. B. reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 131,296,000 | 131,109,000 | 133,055,000 | 131,159,000 |
| Total loans | 111,369,000 | 111,183,000 | 110,103,000 | 110,404,000 |
| Allowance for loan losses | 450,000 | 445,000 | 423,000 | 449,000 |
| Securities available for sale | 4,297,000 | 2,597,000 | 1,920,000 | 2,164,000 |
| Securities held to maturity | 5,207,000 | 6,274,000 | 6,272,000 | 6,311,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,360,000 | 96,385,000 | 98,080,000 | 97,841,000 |
| Interest-bearing deposits | 94,235,000 | 95,684,000 | 96,409,000 | 96,728,000 |
| Noninterest-bearing deposits | 1,125,000 | 701,000 | 1,671,000 | 1,113,000 |
| Equity capital | 13,203,000 | 13,370,000 | 13,585,000 | 13,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,310,000 | 4,657,000 | 7,007,000 | 9,205,000 |
| Interest expense | 1,512,000 | 2,993,000 | 4,428,000 | 5,787,000 |
| Net interest income | 798,000 | 1,664,000 | 2,579,000 | 3,418,000 |
| Noninterest income | 105,000 | 232,000 | 398,000 | 533,000 |
| Noninterest expense | 744,000 | 1,536,000 | 2,360,000 | 3,257,000 |
| Provision for loan losses | 0 | 0 | 0 | 26,000 |
| Pretax income | 159,000 | 360,000 | 617,000 | 668,000 |
| Income tax | 24,000 | 57,000 | 114,000 | 86,000 |
| Net income | 135,000 | 303,000 | 503,000 | 582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,201,000 | 13,368,000 | 13,572,000 | 13,651,000 |
| Total capital | 13,651,000 | 13,813,000 | 13,995,000 | 14,100,000 |
| Risk-weighted assets | 72,627,000 | 73,082,000 | 74,949,000 | 74,932,000 |