Call reports 2006
WEST END BANK, S. B. — 2006
What WEST END BANK, S. B. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 157,628,000 | 160,195,000 | 164,418,000 | 162,102,000 |
| Total loans | 118,562,000 | 124,473,000 | 124,855,000 | 124,411,000 |
| Allowance for loan losses | 382,000 | 379,000 | 333,000 | 501,000 |
| Securities available for sale | 21,542,000 | 21,163,000 | 22,741,000 | 22,724,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,293,000 | 113,968,000 | 115,509,000 | 108,844,000 |
| Interest-bearing deposits | 108,831,000 | 106,489,000 | 108,529,000 | 103,538,000 |
| Noninterest-bearing deposits | 6,462,000 | 7,479,000 | 6,980,000 | 5,306,000 |
| Equity capital | 15,360,000 | 15,239,000 | 15,523,000 | 15,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,090,000 | 4,362,000 | 6,773,000 | 9,155,000 |
| Interest expense | 988,000 | 2,136,000 | 3,500,000 | 4,915,000 |
| Net interest income | 1,102,000 | 2,226,000 | 3,273,000 | 4,240,000 |
| Noninterest income | 236,000 | 458,000 | 730,000 | 985,000 |
| Noninterest expense | 1,134,000 | 2,270,000 | 3,480,000 | 4,692,000 |
| Provision for loan losses | 15,000 | 75,000 | 165,000 | 380,000 |
| Pretax income | 189,000 | 379,000 | 399,000 | 172,000 |
| Income tax | 65,000 | 132,000 | 137,000 | 43,000 |
| Net income | 124,000 | 247,000 | 262,000 | 129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,564,000 | 15,685,000 | 15,736,000 | 15,608,000 |
| Total capital | 15,946,000 | 16,064,000 | 16,069,000 | 16,109,000 |
| Risk-weighted assets | 101,310,000 | 105,709,000 | 109,074,000 | 109,688,000 |