Call reports 2018
WEST END BANK, S. B. — 2018
What WEST END BANK, S. B. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 308,356,000 | 311,419,000 | 308,351,000 | 299,816,000 |
| Total loans | 246,711,000 | 254,369,000 | 253,908,000 | 248,127,000 |
| Allowance for loan losses | 2,972,000 | 3,074,000 | 3,079,000 | 3,040,000 |
| Securities available for sale | 23,008,000 | 21,693,000 | 20,480,000 | 19,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,000,000 | 230,591,000 | 227,049,000 | 218,161,000 |
| Interest-bearing deposits | 205,960,000 | 203,455,000 | 201,299,000 | 192,005,000 |
| Noninterest-bearing deposits | 24,040,000 | 27,136,000 | 25,750,000 | 26,156,000 |
| Equity capital | 28,449,000 | 28,839,000 | 29,257,000 | 29,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,627,000 | 7,382,000 | 11,190,000 | 15,058,000 |
| Interest expense | 701,000 | 1,468,000 | 2,287,000 | 3,138,000 |
| Net interest income | 2,926,000 | 5,914,000 | 8,903,000 | 11,920,000 |
| Noninterest income | 538,000 | 1,016,000 | 1,552,000 | 1,898,000 |
| Noninterest expense | 2,386,000 | 4,837,000 | 7,254,000 | 9,761,000 |
| Provision for loan losses | 555,000 | 1,034,000 | 1,550,000 | 1,948,000 |
| Pretax income | 523,000 | 1,059,000 | 1,651,000 | 2,109,000 |
| Income tax | 134,000 | 270,000 | 341,000 | 426,000 |
| Net income | 389,000 | 789,000 | 1,310,000 | 1,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,032,000 | 29,495,000 | 30,018,000 | 30,414,000 |
| Total capital | 32,004,000 | 32,569,000 | 33,084,000 | 33,396,000 |
| Risk-weighted assets | 242,062,000 | 246,357,000 | 245,272,000 | 238,545,000 |