Call reports 2010
WEST END BANK, S. B. — 2010
What WEST END BANK, S. B. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 202,599,000 | 210,903,000 | 214,195,000 | 216,087,000 |
| Total loans | 145,843,000 | 150,456,000 | 151,634,000 | 153,509,000 |
| Allowance for loan losses | 1,302,000 | 1,462,000 | 1,581,000 | 1,699,000 |
| Securities available for sale | 32,611,000 | 32,372,000 | 39,475,000 | 41,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,477,000 | 176,859,000 | 180,063,000 | 175,416,000 |
| Interest-bearing deposits | 157,952,000 | 160,680,000 | 172,576,000 | 168,098,000 |
| Noninterest-bearing deposits | 5,525,000 | 16,179,000 | 7,487,000 | 7,318,000 |
| Equity capital | 17,102,000 | 17,290,000 | 17,260,000 | 17,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,667,000 | 5,391,000 | 8,182,000 | 10,930,000 |
| Interest expense | 1,044,000 | 2,108,000 | 3,116,000 | 4,045,000 |
| Net interest income | 1,623,000 | 3,283,000 | 5,066,000 | 6,885,000 |
| Noninterest income | 379,000 | 696,000 | 976,000 | 1,373,000 |
| Noninterest expense | 1,475,000 | 2,980,000 | 4,648,000 | 6,337,000 |
| Provision for loan losses | 370,000 | 694,000 | 994,000 | 1,294,000 |
| Pretax income | 188,000 | 336,000 | 446,000 | 749,000 |
| Income tax | 46,000 | 97,000 | 135,000 | 239,000 |
| Net income | 142,000 | 239,000 | 311,000 | 510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,771,000 | 16,930,000 | 16,944,000 | 16,973,000 |
| Total capital | 18,073,000 | 18,392,000 | 18,525,000 | 18,672,000 |
| Risk-weighted assets | 141,394,000 | 143,225,000 | 143,801,000 | 143,319,000 |