Call reports 2014
WEST END BANK, S. B. — 2014
What WEST END BANK, S. B. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 258,062,000 | 256,200,000 | 257,609,000 | 259,400,000 |
| Total loans | 178,643,000 | 184,713,000 | 190,574,000 | 194,189,000 |
| Allowance for loan losses | 2,435,000 | 2,282,000 | 2,323,000 | 1,944,000 |
| Securities available for sale | 58,265,000 | 49,324,000 | 47,255,000 | 42,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,256,000 | 201,230,000 | 204,619,000 | 207,368,000 |
| Interest-bearing deposits | 184,904,000 | 183,781,000 | 186,551,000 | 189,446,000 |
| Noninterest-bearing deposits | 17,352,000 | 17,449,000 | 18,068,000 | 17,922,000 |
| Equity capital | 27,947,000 | 26,894,000 | 27,435,000 | 26,684,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,884,000 | 5,840,000 | 8,891,000 | 11,992,000 |
| Interest expense | 416,000 | 818,000 | 1,215,000 | 1,608,000 |
| Net interest income | 2,468,000 | 5,022,000 | 7,676,000 | 10,384,000 |
| Noninterest income | 255,000 | 696,000 | 1,065,000 | 1,538,000 |
| Noninterest expense | 1,917,000 | 3,933,000 | 5,917,000 | 7,956,000 |
| Provision for loan losses | 344,000 | 869,000 | 1,212,000 | 1,699,000 |
| Pretax income | 462,000 | 1,022,000 | 1,718,000 | 2,420,000 |
| Income tax | 142,000 | 329,000 | 572,000 | 817,000 |
| Net income | 320,000 | 693,000 | 1,146,000 | 1,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,612,000 | 27,157,000 | 27,680,000 | 26,733,000 |
| Total capital | 30,797,000 | 29,409,000 | 30,003,000 | 28,677,000 |
| Risk-weighted assets | 174,583,000 | 180,168,000 | 186,026,000 | 189,204,000 |