Call reports 2015
WEST END BANK, S. B. — 2015
What WEST END BANK, S. B. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 262,984,000 | 270,968,000 | 274,356,000 | 270,726,000 |
| Total loans | 205,408,000 | 213,237,000 | 216,455,000 | 221,870,000 |
| Allowance for loan losses | 1,999,000 | 2,101,000 | 2,127,000 | 2,193,000 |
| Securities available for sale | 38,132,000 | 36,113,000 | 32,305,000 | 28,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,724,000 | 211,455,000 | 215,718,000 | 215,689,000 |
| Interest-bearing deposits | 186,846,000 | 192,689,000 | 194,700,000 | 196,441,000 |
| Noninterest-bearing deposits | 17,878,000 | 18,766,000 | 21,018,000 | 19,248,000 |
| Equity capital | 27,255,000 | 27,546,000 | 28,316,000 | 26,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,087,000 | 6,326,000 | 9,612,000 | 12,959,000 |
| Interest expense | 398,000 | 817,000 | 1,279,000 | 1,744,000 |
| Net interest income | 2,689,000 | 5,509,000 | 8,333,000 | 11,215,000 |
| Noninterest income | 349,000 | 696,000 | 1,105,000 | 1,592,000 |
| Noninterest expense | 2,029,000 | 4,182,000 | 6,233,000 | 8,202,000 |
| Provision for loan losses | 330,000 | 630,000 | 992,000 | 1,507,000 |
| Pretax income | 704,000 | 1,418,000 | 2,243,000 | 3,136,000 |
| Income tax | 250,000 | 508,000 | 803,000 | 1,107,000 |
| Net income | 454,000 | 910,000 | 1,440,000 | 2,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,311,000 | 27,838,000 | 28,439,000 | 26,966,000 |
| Total capital | 29,310,000 | 29,939,000 | 30,566,000 | 29,159,000 |
| Risk-weighted assets | 197,032,000 | 205,178,000 | 209,377,000 | 212,255,000 |