Call reports 2003
WEST END BANK, S. B. — 2003
What WEST END BANK, S. B. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 141,666,000 | 141,333,000 | 140,613,000 | 144,205,000 |
| Total loans | 105,985,000 | 105,368,000 | 111,103,000 | 111,491,000 |
| Allowance for loan losses | 548,000 | 628,000 | 646,000 | 533,000 |
| Securities available for sale | 13,843,000 | 18,648,000 | 17,463,000 | 18,742,000 |
| Securities held to maturity | 3,400,000 | 2,634,000 | 2,025,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,662,000 | 110,216,000 | 109,467,000 | 110,365,000 |
| Interest-bearing deposits | 107,244,000 | 107,033,000 | 105,746,000 | 106,840,000 |
| Noninterest-bearing deposits | 3,418,000 | 3,183,000 | 3,721,000 | 3,525,000 |
| Equity capital | 14,458,000 | 14,604,000 | 14,486,000 | 14,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,967,000 | 3,896,000 | 5,796,000 | 7,668,000 |
| Interest expense | 1,041,000 | 2,050,000 | 3,001,000 | 3,902,000 |
| Net interest income | 926,000 | 1,846,000 | 2,795,000 | 3,766,000 |
| Noninterest income | 82,000 | 307,000 | 390,000 | 620,000 |
| Noninterest expense | 927,000 | 1,852,000 | 2,744,000 | 3,627,000 |
| Provision for loan losses | 62,000 | 162,000 | 187,000 | 387,000 |
| Pretax income | 19,000 | 139,000 | 254,000 | 378,000 |
| Income tax | -20,000 | -10,000 | -8,000 | -71,000 |
| Net income | 39,000 | 149,000 | 262,000 | 449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,411,000 | 14,522,000 | 14,619,000 | 14,789,000 |
| Total capital | 14,959,000 | 15,150,000 | 15,265,000 | 15,322,000 |
| Risk-weighted assets | 81,334,000 | 80,473,000 | 79,930,000 | 81,190,000 |