Call reports 2012
WEST SUBURBAN BANK — 2012
What WEST SUBURBAN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,983,455,000 | 1,980,140,000 | 1,973,736,000 | 2,017,258,000 |
| Total loans | 985,394,000 | 1,000,322,000 | 1,003,119,000 | 1,006,012,000 |
| Allowance for loan losses | 34,404,000 | 33,732,000 | 32,365,000 | 31,198,000 |
| Securities available for sale | 614,043,000 | 560,924,000 | 582,655,000 | 658,450,000 |
| Securities held to maturity | 230,345,000 | 213,095,000 | 197,007,000 | 171,356,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,793,027,000 | 1,792,157,000 | 1,783,176,000 | 1,828,068,000 |
| Interest-bearing deposits | 1,642,715,000 | 1,629,044,000 | 1,623,219,000 | 1,670,778,000 |
| Noninterest-bearing deposits | 150,312,000 | 163,113,000 | 159,957,000 | 157,290,000 |
| Equity capital | 161,963,000 | 165,668,000 | 169,016,000 | 170,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 16,417,000 | 33,023,000 | 48,945,000 | 64,250,000 |
| Interest expense | 2,542,000 | 5,007,000 | 7,445,000 | 9,748,000 |
| Net interest income | 13,875,000 | 28,016,000 | 41,500,000 | 54,502,000 |
| Noninterest income | 2,786,000 | 5,666,000 | 6,022,000 | 8,653,000 |
| Noninterest expense | 12,199,000 | 24,535,000 | 35,501,000 | 47,633,000 |
| Provision for loan losses | 7,165,000 | 8,165,000 | 8,165,000 | 8,165,000 |
| Pretax income | -1,937,000 | 3,733,000 | 8,056,000 | 11,571,000 |
| Income tax | -1,080,000 | 825,000 | 2,187,000 | 3,221,000 |
| Net income | -857,000 | 2,908,000 | 5,869,000 | 8,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 158,230,000 | 161,997,000 | 163,115,000 | 167,331,000 |
| Total capital | 174,489,000 | 178,297,000 | 179,397,000 | 183,619,000 |
| Risk-weighted assets | 1,289,707,000 | 1,286,545,000 | 1,286,479,000 | 1,288,155,000 |