Call reports 2012
WEST END BANK, S. B. — 2012
What WEST END BANK, S. B. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 244,091,000 | 246,864,000 | 247,915,000 | 246,433,000 |
| Total loans | 157,137,000 | 159,131,000 | 158,707,000 | 162,886,000 |
| Allowance for loan losses | 1,924,000 | 2,000,000 | 1,859,000 | 2,013,000 |
| Securities available for sale | 48,605,000 | 56,802,000 | 59,957,000 | 60,610,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,201,000 | 194,544,000 | 195,445,000 | 193,567,000 |
| Interest-bearing deposits | 180,273,000 | 183,306,000 | 182,505,000 | 179,482,000 |
| Noninterest-bearing deposits | 9,928,000 | 11,238,000 | 12,940,000 | 14,085,000 |
| Equity capital | 24,778,000 | 25,195,000 | 25,802,000 | 27,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,755,000 | 5,542,000 | 8,386,000 | 11,169,000 |
| Interest expense | 705,000 | 1,356,000 | 1,969,000 | 2,507,000 |
| Net interest income | 2,050,000 | 4,186,000 | 6,417,000 | 8,662,000 |
| Noninterest income | 308,000 | 679,000 | 1,089,000 | 1,697,000 |
| Noninterest expense | 1,770,000 | 3,587,000 | 5,358,000 | 7,276,000 |
| Provision for loan losses | 255,000 | 510,000 | 850,000 | 1,235,000 |
| Pretax income | 334,000 | 769,000 | 1,356,000 | 2,060,000 |
| Income tax | 116,000 | 268,000 | 483,000 | 727,000 |
| Net income | 218,000 | 501,000 | 873,000 | 1,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,361,000 | 24,737,000 | 25,210,000 | 26,735,000 |
| Total capital | 26,255,000 | 26,667,000 | 27,069,000 | 28,730,000 |
| Risk-weighted assets | 151,479,000 | 154,349,000 | 154,922,000 | 159,560,000 |