Call reports 2016
WEST END BANK, S. B. — 2016
What WEST END BANK, S. B. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 275,011,000 | 277,889,000 | 285,567,000 | 286,958,000 |
| Total loans | 225,993,000 | 230,987,000 | 235,099,000 | 235,272,000 |
| Allowance for loan losses | 2,241,000 | 2,305,000 | 2,400,000 | 2,277,000 |
| Securities available for sale | 24,503,000 | 24,659,000 | 24,226,000 | 23,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,157,000 | 219,537,000 | 224,652,000 | 225,904,000 |
| Interest-bearing deposits | 194,209,000 | 198,415,000 | 202,437,000 | 203,842,000 |
| Noninterest-bearing deposits | 20,948,000 | 21,122,000 | 22,215,000 | 22,062,000 |
| Equity capital | 27,519,000 | 28,241,000 | 27,610,000 | 27,073,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,276,000 | 6,659,000 | 10,131,000 | 13,634,000 |
| Interest expense | 481,000 | 959,000 | 1,433,000 | 1,915,000 |
| Net interest income | 2,795,000 | 5,700,000 | 8,698,000 | 11,719,000 |
| Noninterest income | 361,000 | 1,106,000 | 1,447,000 | 1,922,000 |
| Noninterest expense | 2,144,000 | 4,418,000 | 6,513,000 | 8,811,000 |
| Provision for loan losses | 270,000 | 767,000 | 1,301,000 | 1,862,000 |
| Pretax income | 756,000 | 1,645,000 | 2,462,000 | 3,103,000 |
| Income tax | 268,000 | 579,000 | 864,000 | 1,062,000 |
| Net income | 488,000 | 1,066,000 | 1,598,000 | 2,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,526,000 | 28,176,000 | 27,631,000 | 27,418,000 |
| Total capital | 29,767,000 | 30,481,000 | 30,031,000 | 29,695,000 |
| Risk-weighted assets | 217,588,000 | 220,751,000 | 225,048,000 | 225,828,000 |