Call reports 2010
WEST SUBURBAN BANK — 2010
What WEST SUBURBAN BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,965,061,000 | 1,965,792,000 | 1,943,812,000 | 1,958,627,000 |
| Total loans | 1,174,632,000 | 1,156,031,000 | 1,135,408,000 | 1,036,347,000 |
| Allowance for loan losses | 27,165,000 | 28,721,000 | 28,994,000 | 28,072,000 |
| Securities available for sale | 261,565,000 | 353,393,000 | 346,367,000 | 518,565,000 |
| Securities held to maturity | 273,040,000 | 250,682,000 | 230,681,000 | 215,365,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,795,057,000 | 1,790,885,000 | 1,758,229,000 | 1,782,213,000 |
| Interest-bearing deposits | 1,667,508,000 | 1,656,821,000 | 1,620,133,000 | 1,627,989,000 |
| Noninterest-bearing deposits | 127,549,000 | 134,064,000 | 138,096,000 | 154,224,000 |
| Equity capital | 146,632,000 | 148,771,000 | 160,075,000 | 151,353,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 19,481,000 | 39,041,000 | 58,634,000 | 76,424,000 |
| Interest expense | 5,380,000 | 10,317,000 | 14,826,000 | 18,463,000 |
| Net interest income | 14,101,000 | 28,724,000 | 43,808,000 | 57,961,000 |
| Noninterest income | 3,078,000 | 5,825,000 | 9,962,000 | 16,424,000 |
| Noninterest expense | 12,750,000 | 25,077,000 | 39,488,000 | 56,665,000 |
| Provision for loan losses | 2,375,000 | 5,550,000 | 8,425,000 | 18,725,000 |
| Pretax income | 2,054,000 | 3,922,000 | 6,124,000 | -738,000 |
| Income tax | 415,000 | 1,022,000 | 1,410,000 | -1,954,000 |
| Net income | 1,639,000 | 2,900,000 | 4,714,000 | 1,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 143,559,000 | 144,824,000 | 154,566,000 | 143,570,000 |
| Total capital | 161,335,000 | 162,366,000 | 171,750,000 | 160,089,000 |
| Risk-weighted assets | 1,416,542,000 | 1,392,196,000 | 1,362,939,000 | 1,309,932,000 |