Call reports 2003
WEST SUBURBAN BANK — 2003
What WEST SUBURBAN BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,645,026,000 | 1,673,906,000 | 1,706,643,000 | 1,707,882,000 |
| Total loans | 1,136,821,000 | 1,119,292,000 | 1,123,414,000 | 1,088,620,000 |
| Allowance for loan losses | 14,206,000 | 14,598,000 | 14,887,000 | 14,420,000 |
| Securities available for sale | 375,287,000 | 405,709,000 | 444,196,000 | 455,855,000 |
| Securities held to maturity | 46,174,000 | 43,663,000 | 38,623,000 | 29,195,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,490,697,000 | 1,515,940,000 | 1,534,965,000 | 1,547,961,000 |
| Interest-bearing deposits | 1,347,685,000 | 1,369,515,000 | 1,378,572,000 | 1,404,273,000 |
| Noninterest-bearing deposits | 143,012,000 | 146,425,000 | 156,393,000 | 143,688,000 |
| Equity capital | 138,147,000 | 140,690,000 | 137,773,000 | 133,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 20,523,000 | 41,062,000 | 61,258,000 | 81,356,000 |
| Interest expense | 5,863,000 | 11,757,000 | 17,040,000 | 22,165,000 |
| Net interest income | 14,660,000 | 29,305,000 | 44,218,000 | 59,191,000 |
| Noninterest income | 5,232,000 | 9,626,000 | 14,112,000 | 19,449,000 |
| Noninterest expense | 9,515,000 | 19,345,000 | 29,608,000 | 40,746,000 |
| Provision for loan losses | 400,000 | 900,000 | 2,150,000 | 2,150,000 |
| Pretax income | 11,544,000 | 20,549,000 | 28,887,000 | 38,074,000 |
| Income tax | 3,745,000 | 6,760,000 | 9,344,000 | 12,127,000 |
| Net income | 7,799,000 | 13,789,000 | 19,543,000 | 25,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 136,003,000 | 137,049,000 | 136,776,000 | 133,115,000 |
| Total capital | 150,209,000 | 151,647,000 | 151,663,000 | 147,535,000 |
| Risk-weighted assets | 1,420,043,000 | 1,410,483,000 | 1,397,353,000 | 1,368,558,000 |
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