Call reports 2019
WEST END BANK, S. B. — 2019
What WEST END BANK, S. B. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 298,774,000 | 301,157,000 | 299,171,000 | 287,986,000 |
| Total loans | 245,493,000 | 247,975,000 | 247,420,000 | 245,773,000 |
| Allowance for loan losses | 2,940,000 | 2,904,000 | 2,808,000 | 2,600,000 |
| Securities available for sale | 19,257,000 | 15,918,000 | 15,129,000 | 14,304,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,231,000 | 220,803,000 | 218,176,000 | 204,478,000 |
| Interest-bearing deposits | 193,718,000 | 192,920,000 | 191,712,000 | 177,826,000 |
| Noninterest-bearing deposits | 25,513,000 | 27,883,000 | 26,464,000 | 26,652,000 |
| Equity capital | 29,696,000 | 30,340,000 | 30,785,000 | 30,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,706,000 | 7,516,000 | 11,319,000 | 15,112,000 |
| Interest expense | 863,000 | 1,734,000 | 2,665,000 | 3,573,000 |
| Net interest income | 2,843,000 | 5,782,000 | 8,654,000 | 11,539,000 |
| Noninterest income | 466,000 | 805,000 | 1,134,000 | 1,527,000 |
| Noninterest expense | 2,478,000 | 4,869,000 | 7,268,000 | 10,523,000 |
| Provision for loan losses | 333,000 | 666,000 | 978,000 | 1,295,000 |
| Pretax income | 498,000 | 1,061,000 | 1,551,000 | 1,257,000 |
| Income tax | 107,000 | 224,000 | 345,000 | 268,000 |
| Net income | 391,000 | 837,000 | 1,206,000 | 989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,057,000 | 30,505,000 | 30,876,000 | 30,681,000 |
| Total capital | 32,994,000 | 33,409,000 | 33,684,000 | 33,281,000 |
| Risk-weighted assets | 234,962,000 | 235,914,000 | 234,580,000 | 234,922,000 |