Call reports 2013
WEST END BANK, S. B. — 2013
What WEST END BANK, S. B. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 252,133,000 | 260,575,000 | 252,631,000 | 254,107,000 |
| Total loans | 161,793,000 | 168,854,000 | 170,514,000 | 174,684,000 |
| Allowance for loan losses | 2,031,000 | 2,040,000 | 2,251,000 | 2,398,000 |
| Securities available for sale | 68,014,000 | 65,056,000 | 62,370,000 | 59,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,711,000 | 203,610,000 | 199,153,000 | 199,943,000 |
| Interest-bearing deposits | 181,386,000 | 190,111,000 | 185,651,000 | 183,441,000 |
| Noninterest-bearing deposits | 13,325,000 | 13,499,000 | 13,502,000 | 16,502,000 |
| Equity capital | 27,335,000 | 26,499,000 | 26,768,000 | 27,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,776,000 | 5,521,000 | 8,341,000 | 11,185,000 |
| Interest expense | 524,000 | 1,014,000 | 1,495,000 | 1,962,000 |
| Net interest income | 2,252,000 | 4,507,000 | 6,846,000 | 9,223,000 |
| Noninterest income | 341,000 | 654,000 | 1,120,000 | 1,560,000 |
| Noninterest expense | 1,825,000 | 3,640,000 | 5,510,000 | 7,459,000 |
| Provision for loan losses | 259,000 | 505,000 | 951,000 | 1,447,000 |
| Pretax income | 509,000 | 1,036,000 | 1,525,000 | 1,897,000 |
| Income tax | 157,000 | 321,000 | 461,000 | 587,000 |
| Net income | 352,000 | 715,000 | 1,064,000 | 1,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,082,000 | 27,459,000 | 27,867,000 | 28,221,000 |
| Total capital | 29,084,000 | 29,499,000 | 29,965,000 | 30,378,000 |
| Risk-weighted assets | 160,119,000 | 168,677,000 | 167,698,000 | 172,306,000 |