Call reports 2004
WEST SUBURBAN BANK — 2004
What WEST SUBURBAN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,743,926,000 | 1,742,031,000 | 1,723,786,000 | 1,738,987,000 |
| Total loans | 1,070,391,000 | 1,079,402,000 | 1,072,952,000 | 1,056,506,000 |
| Allowance for loan losses | 13,662,000 | 13,261,000 | 13,186,000 | 10,527,000 |
| Securities available for sale | 529,314,000 | 514,344,000 | 404,697,000 | 477,781,000 |
| Securities held to maturity | 26,838,000 | 23,474,000 | 69,886,000 | 67,787,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,576,154,000 | 1,570,365,000 | 1,567,145,000 | 1,583,879,000 |
| Interest-bearing deposits | 1,431,838,000 | 1,429,917,000 | 1,419,026,000 | 1,430,679,000 |
| Noninterest-bearing deposits | 144,316,000 | 140,448,000 | 148,119,000 | 153,200,000 |
| Equity capital | 136,082,000 | 125,638,000 | 132,511,000 | 131,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 19,780,000 | 39,996,000 | 60,199,000 | 80,483,000 |
| Interest expense | 5,056,000 | 10,374,000 | 15,982,000 | 21,972,000 |
| Net interest income | 14,724,000 | 29,622,000 | 44,217,000 | 58,511,000 |
| Noninterest income | 4,525,000 | 9,220,000 | 13,782,000 | 19,233,000 |
| Noninterest expense | 10,755,000 | 21,740,000 | 32,227,000 | 43,015,000 |
| Provision for loan losses | 0 | 200,000 | 200,000 | 200,000 |
| Pretax income | 8,480,000 | 16,954,000 | 23,615,000 | 32,572,000 |
| Income tax | 2,780,000 | 5,123,000 | 6,858,000 | 9,034,000 |
| Net income | 5,700,000 | 11,831,000 | 16,757,000 | 23,538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 133,491,000 | 133,405,000 | 133,726,000 | 134,181,000 |
| Total capital | 147,153,000 | 146,666,000 | 146,912,000 | 144,708,000 |
| Risk-weighted assets | 1,384,683,000 | 1,398,623,000 | 1,353,821,000 | 1,348,381,000 |
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