Call reports 2007
WEST SUBURBAN BANK — 2007
What WEST SUBURBAN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,899,882,000 | 1,888,069,000 | 1,848,794,000 | 1,841,807,000 |
| Total loans | 1,169,431,000 | 1,193,664,000 | 1,194,449,000 | 1,235,898,000 |
| Allowance for loan losses | 9,963,000 | 9,621,000 | 9,822,000 | 9,270,000 |
| Securities available for sale | 439,308,000 | 448,523,000 | 481,035,000 | 456,493,000 |
| Securities held to maturity | 30,956,000 | 29,988,000 | 20,446,000 | 19,512,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,720,407,000 | 1,707,041,000 | 1,666,889,000 | 1,655,754,000 |
| Interest-bearing deposits | 1,571,685,000 | 1,543,785,000 | 1,491,203,000 | 1,513,343,000 |
| Noninterest-bearing deposits | 148,722,000 | 163,256,000 | 175,686,000 | 142,411,000 |
| Equity capital | 135,304,000 | 134,582,000 | 138,031,000 | 139,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 27,151,000 | 54,871,000 | 82,592,000 | 108,715,000 |
| Interest expense | 12,207,000 | 24,497,000 | 36,933,000 | 48,718,000 |
| Net interest income | 14,944,000 | 30,374,000 | 45,659,000 | 59,997,000 |
| Noninterest income | 6,285,000 | 13,012,000 | 20,003,000 | 27,139,000 |
| Noninterest expense | 12,863,000 | 26,587,000 | 40,349,000 | 54,851,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 375,000 |
| Pretax income | 8,336,000 | 16,793,000 | 25,207,000 | 31,523,000 |
| Income tax | 2,057,000 | 4,544,000 | 7,026,000 | 8,483,000 |
| Net income | 6,279,000 | 12,249,000 | 18,181,000 | 23,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 139,849,000 | 140,662,000 | 141,413,000 | 141,225,000 |
| Total capital | 149,812,000 | 150,283,000 | 151,235,000 | 150,495,000 |
| Risk-weighted assets | 1,471,919,000 | 1,466,874,000 | 1,458,389,000 | 1,466,630,000 |
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