Call reports 2008
WEST END BANK, S. B. — 2008
What WEST END BANK, S. B. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 176,802,000 | 175,970,000 | 177,979,000 | 178,075,000 |
| Total loans | 138,811,000 | 139,584,000 | 141,025,000 | 139,046,000 |
| Allowance for loan losses | 516,000 | 560,000 | 566,000 | 706,000 |
| Securities available for sale | 20,561,000 | 19,139,000 | 19,300,000 | 19,520,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,875,000 | 125,232,000 | 123,433,000 | 128,063,000 |
| Interest-bearing deposits | 119,643,000 | 118,720,000 | 116,043,000 | 121,582,000 |
| Noninterest-bearing deposits | 7,232,000 | 6,512,000 | 7,390,000 | 6,481,000 |
| Equity capital | 16,244,000 | 15,902,000 | 16,180,000 | 16,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,706,000 | 5,464,000 | 8,137,000 | 10,817,000 |
| Interest expense | 1,504,000 | 2,839,000 | 4,117,000 | 5,315,000 |
| Net interest income | 1,202,000 | 2,625,000 | 4,020,000 | 5,502,000 |
| Noninterest income | 197,000 | 437,000 | 679,000 | 1,025,000 |
| Noninterest expense | 1,258,000 | 2,629,000 | 4,158,000 | 5,320,000 |
| Provision for loan losses | 37,000 | 182,000 | 303,000 | 525,000 |
| Pretax income | 109,000 | 257,000 | 244,000 | 714,000 |
| Income tax | 39,000 | 103,000 | 0 | 282,000 |
| Net income | 70,000 | 154,000 | 244,000 | 432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,861,000 | 15,945,000 | 16,036,000 | 16,474,000 |
| Total capital | 16,377,000 | 16,505,000 | 16,602,000 | 17,180,000 |
| Risk-weighted assets | 121,244,000 | 121,487,000 | 125,454,000 | 125,613,000 |