Call reports 2011
WEST END BANK, S. B. — 2011
What WEST END BANK, S. B. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 216,984,000 | 216,739,000 | 225,418,000 | 240,513,000 |
| Total loans | 154,311,000 | 154,674,000 | 153,451,000 | 156,499,000 |
| Allowance for loan losses | 1,785,000 | 1,739,000 | 1,883,000 | 1,904,000 |
| Securities available for sale | 41,695,000 | 36,630,000 | 45,328,000 | 47,878,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,729,000 | 175,138,000 | 179,203,000 | 194,703,000 |
| Interest-bearing deposits | 168,943,000 | 166,626,000 | 169,996,000 | 185,888,000 |
| Noninterest-bearing deposits | 7,786,000 | 8,512,000 | 9,207,000 | 8,815,000 |
| Equity capital | 17,394,000 | 17,745,000 | 17,872,000 | 18,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,731,000 | 5,551,000 | 8,360,000 | 11,201,000 |
| Interest expense | 842,000 | 1,662,000 | 2,459,000 | 3,239,000 |
| Net interest income | 1,889,000 | 3,889,000 | 5,901,000 | 7,962,000 |
| Noninterest income | 383,000 | 904,000 | 1,300,000 | 1,727,000 |
| Noninterest expense | 1,683,000 | 3,353,000 | 5,210,000 | 6,976,000 |
| Provision for loan losses | 350,000 | 975,000 | 1,275,000 | 1,625,000 |
| Pretax income | 239,000 | 529,000 | 811,000 | 1,183,000 |
| Income tax | 80,000 | 183,000 | 269,000 | 396,000 |
| Net income | 159,000 | 346,000 | 542,000 | 787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,943,000 | 17,237,000 | 17,398,000 | 17,712,000 |
| Total capital | 18,728,000 | 18,976,000 | 19,235,000 | 19,616,000 |
| Risk-weighted assets | 144,838,000 | 147,617,000 | 146,892,000 | 153,911,000 |