Call reports 2014
WEST SUBURBAN BANK — 2014
What WEST SUBURBAN BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 2,088,770,000 | 2,078,373,000 | 2,108,936,000 | 2,108,587,000 |
| Total loans | 1,053,041,000 | 1,050,463,000 | 1,102,383,000 | 1,095,491,000 |
| Allowance for loan losses | 30,556,000 | 30,484,000 | 30,410,000 | 25,382,000 |
| Securities available for sale | 634,524,000 | 670,228,000 | 650,774,000 | 602,744,000 |
| Securities held to maturity | 213,833,000 | 226,687,000 | 221,246,000 | 208,369,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,903,568,000 | 1,872,446,000 | 1,899,174,000 | 1,906,155,000 |
| Interest-bearing deposits | 1,730,439,000 | 1,693,338,000 | 1,695,774,000 | 1,702,145,000 |
| Noninterest-bearing deposits | 173,129,000 | 179,108,000 | 203,400,000 | 204,010,000 |
| Equity capital | 171,671,000 | 176,523,000 | 180,253,000 | 188,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 15,505,000 | 31,559,000 | 47,991,000 | 64,352,000 |
| Interest expense | 1,503,000 | 2,979,000 | 4,450,000 | 5,888,000 |
| Net interest income | 14,002,000 | 28,580,000 | 43,541,000 | 58,464,000 |
| Noninterest income | 1,455,000 | 2,890,000 | 5,261,000 | 7,744,000 |
| Noninterest expense | 12,524,000 | 24,459,000 | 37,005,000 | 49,307,000 |
| Provision for loan losses | 0 | 0 | 0 | -4,994,000 |
| Pretax income | 3,004,000 | 7,152,000 | 11,938,000 | 22,061,000 |
| Income tax | 909,000 | 2,278,000 | 3,902,000 | 8,164,000 |
| Net income | 2,095,000 | 4,874,000 | 8,036,000 | 13,897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 170,602,000 | 175,483,000 | 177,758,000 | 189,026,000 |
| Total capital | 187,219,000 | 192,008,000 | 194,897,000 | 206,093,000 |
| Risk-weighted assets | 1,315,454,000 | 1,308,022,000 | 1,357,829,000 | 1,357,048,000 |