Call reports 2013
WEST SUBURBAN BANK — 2013
What WEST SUBURBAN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 2,054,292,000 | 2,036,538,000 | 2,016,711,000 | 2,038,638,000 |
| Total loans | 1,009,821,000 | 1,017,267,000 | 1,048,089,000 | 1,058,587,000 |
| Allowance for loan losses | 29,946,000 | 29,143,000 | 29,357,000 | 30,552,000 |
| Securities available for sale | 685,551,000 | 717,740,000 | 676,507,000 | 630,603,000 |
| Securities held to maturity | 158,443,000 | 144,446,000 | 136,399,000 | 184,030,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,866,856,000 | 1,856,890,000 | 1,839,517,000 | 1,857,667,000 |
| Interest-bearing deposits | 1,704,968,000 | 1,690,623,000 | 1,669,734,000 | 1,682,596,000 |
| Noninterest-bearing deposits | 161,888,000 | 166,267,000 | 169,783,000 | 175,071,000 |
| Equity capital | 171,026,000 | 164,844,000 | 166,467,000 | 167,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 15,104,000 | 30,215,000 | 45,473,000 | 60,981,000 |
| Interest expense | 2,171,000 | 4,119,000 | 5,802,000 | 7,393,000 |
| Net interest income | 12,933,000 | 26,096,000 | 39,671,000 | 53,588,000 |
| Noninterest income | 2,526,000 | 5,296,000 | 7,218,000 | 9,677,000 |
| Noninterest expense | 11,923,000 | 23,994,000 | 36,180,000 | 48,731,000 |
| Provision for loan losses | 2,925,000 | 2,925,000 | 3,525,000 | 4,985,000 |
| Pretax income | 1,228,000 | 5,622,000 | 8,336,000 | 10,725,000 |
| Income tax | 157,000 | 1,604,000 | 2,394,000 | 3,053,000 |
| Net income | 1,071,000 | 4,018,000 | 5,942,000 | 7,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 168,526,000 | 165,032,000 | 167,092,000 | 167,899,000 |
| Total capital | 184,694,000 | 181,365,000 | 183,628,000 | 184,529,000 |
| Risk-weighted assets | 1,279,656,000 | 1,293,803,000 | 1,310,061,000 | 1,316,504,000 |