Call reports 2009
WEST END BANK, S. B. — 2009
What WEST END BANK, S. B. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 186,072,000 | 187,952,000 | 192,120,000 | 190,072,000 |
| Total loans | 148,411,000 | 148,833,000 | 146,209,000 | 145,348,000 |
| Allowance for loan losses | 861,000 | 1,097,000 | 1,339,000 | 1,113,000 |
| Securities available for sale | 18,548,000 | 22,937,000 | 22,544,000 | 24,712,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,134,000 | 143,769,000 | 149,401,000 | 145,333,000 |
| Interest-bearing deposits | 136,447,000 | 6,071,000 | 142,861,000 | 139,465,000 |
| Noninterest-bearing deposits | 6,687,000 | 137,698,000 | 6,540,000 | 5,868,000 |
| Equity capital | 16,772,000 | 16,832,000 | 17,049,000 | 17,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,699,000 | 5,510,000 | 8,226,000 | 10,913,000 |
| Interest expense | 1,168,000 | 2,305,000 | 3,437,000 | 4,510,000 |
| Net interest income | 1,531,000 | 3,205,000 | 4,789,000 | 6,403,000 |
| Noninterest income | 158,000 | 392,000 | 844,000 | 1,269,000 |
| Noninterest expense | 1,312,000 | 2,685,000 | 4,208,000 | 5,796,000 |
| Provision for loan losses | 280,000 | 634,000 | 1,043,000 | 1,588,000 |
| Pretax income | 133,000 | 315,000 | 428,000 | 423,000 |
| Income tax | 38,000 | 74,000 | 109,000 | 68,000 |
| Net income | 95,000 | 241,000 | 319,000 | 355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,509,000 | 16,450,000 | 16,606,000 | 16,673,000 |
| Total capital | 17,370,000 | 17,547,000 | 17,945,000 | 17,786,000 |
| Risk-weighted assets | 131,703,000 | 134,443,000 | 137,226,000 | 138,461,000 |