Call reports 2007
WEST END BANK, S. B. — 2007
What WEST END BANK, S. B. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 165,466,000 | 168,542,000 | 171,776,000 | 173,423,000 |
| Total loans | 125,717,000 | 128,666,000 | 133,822,000 | 134,943,000 |
| Allowance for loan losses | 566,000 | 549,000 | 497,000 | 512,000 |
| Securities available for sale | 22,732,000 | 22,463,000 | 22,193,000 | 22,032,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,801,000 | 123,149,000 | 114,711,000 | 115,608,000 |
| Interest-bearing deposits | 112,430,000 | 116,600,000 | 108,004,000 | 110,710,000 |
| Noninterest-bearing deposits | 6,371,000 | 6,549,000 | 6,707,000 | 4,898,000 |
| Equity capital | 15,578,000 | 15,364,000 | 15,663,000 | 15,964,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,513,000 | 5,040,000 | 7,690,000 | 10,348,000 |
| Interest expense | 1,410,000 | 2,878,000 | 4,404,000 | 5,950,000 |
| Net interest income | 1,103,000 | 2,162,000 | 3,286,000 | 4,398,000 |
| Noninterest income | 255,000 | 486,000 | 742,000 | 981,000 |
| Noninterest expense | 1,224,000 | 2,429,000 | 3,661,000 | 4,890,000 |
| Provision for loan losses | 90,000 | 120,000 | 145,000 | 215,000 |
| Pretax income | 44,000 | 98,000 | 221,000 | 272,000 |
| Income tax | 16,000 | 30,000 | 67,000 | 29,000 |
| Net income | 28,000 | 68,000 | 154,000 | 243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,605,000 | 15,645,000 | 15,710,000 | 15,793,000 |
| Total capital | 16,171,000 | 16,194,000 | 16,207,000 | 16,305,000 |
| Risk-weighted assets | 112,322,000 | 115,854,000 | 119,649,000 | 119,422,000 |