Call reports 2005
WEST END BANK, S. B. — 2005
What WEST END BANK, S. B. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 145,062,000 | 142,754,000 | 150,956,000 | 149,318,000 |
| Total loans | 107,663,000 | 106,694,000 | 111,280,000 | 114,564,000 |
| Allowance for loan losses | 361,000 | 437,000 | 419,000 | 382,000 |
| Securities available for sale | 25,441,000 | 23,126,000 | 22,221,000 | 21,334,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,828,000 | 104,637,000 | 110,243,000 | 109,562,000 |
| Interest-bearing deposits | 104,361,000 | 100,118,000 | 106,031,000 | 104,605,000 |
| Noninterest-bearing deposits | 4,467,000 | 4,519,000 | 4,212,000 | 4,957,000 |
| Equity capital | 14,746,000 | 15,270,000 | 15,312,000 | 15,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,900,000 | 3,810,000 | 5,797,000 | 7,822,000 |
| Interest expense | 819,000 | 1,655,000 | 2,529,000 | 3,449,000 |
| Net interest income | 1,081,000 | 2,155,000 | 3,268,000 | 4,373,000 |
| Noninterest income | 199,000 | 460,000 | 644,000 | 863,000 |
| Noninterest expense | 1,070,000 | 2,310,000 | 3,379,000 | 4,521,000 |
| Provision for loan losses | 0 | 120,000 | 140,000 | 170,000 |
| Pretax income | 210,000 | 718,000 | 961,000 | 1,113,000 |
| Income tax | 94,000 | 300,000 | 396,000 | 439,000 |
| Net income | 116,000 | 418,000 | 565,000 | 674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,818,000 | 15,191,000 | 15,340,000 | 15,455,000 |
| Total capital | 15,179,000 | 15,628,000 | 15,759,000 | 15,837,000 |
| Risk-weighted assets | 86,567,000 | 86,403,000 | 92,166,000 | 95,588,000 |