Call reports 2002
WEST END BANK, S. B. — 2002
What WEST END BANK, S. B. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 128,971,000 | 129,908,000 | 133,677,000 | 139,274,000 |
| Total loans | 102,995,000 | 102,833,000 | 103,606,000 | 101,996,000 |
| Allowance for loan losses | 436,000 | 431,000 | 454,000 | 562,000 |
| Securities available for sale | 4,211,000 | 4,361,000 | 10,621,000 | 10,971,000 |
| Securities held to maturity | 7,131,000 | 6,076,000 | 5,363,000 | 4,185,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,562,000 | 100,266,000 | 104,673,000 | 108,549,000 |
| Interest-bearing deposits | 96,237,000 | 97,331,000 | 101,363,000 | 103,965,000 |
| Noninterest-bearing deposits | 2,325,000 | 2,935,000 | 3,310,000 | 4,584,000 |
| Equity capital | 13,848,000 | 14,025,000 | 14,206,000 | 14,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,168,000 | 4,241,000 | 6,307,000 | 8,364,000 |
| Interest expense | 1,179,000 | 2,291,000 | 3,401,000 | 4,482,000 |
| Net interest income | 989,000 | 1,950,000 | 2,906,000 | 3,882,000 |
| Noninterest income | 124,000 | 291,000 | 506,000 | 861,000 |
| Noninterest expense | 821,000 | 1,745,000 | 2,651,000 | 3,564,000 |
| Provision for loan losses | 0 | 0 | 35,000 | 160,000 |
| Pretax income | 292,000 | 496,000 | 726,000 | 1,019,000 |
| Income tax | 86,000 | 136,000 | 183,000 | 282,000 |
| Net income | 206,000 | 360,000 | 543,000 | 737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,856,000 | 14,013,000 | 14,197,000 | 14,373,000 |
| Total capital | 14,292,000 | 14,444,000 | 14,651,000 | 14,935,000 |
| Risk-weighted assets | 72,526,000 | 74,520,000 | 79,012,000 | 79,572,000 |