Call reports 2015
WEST SUBURBAN BANK — 2015
What WEST SUBURBAN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 2,160,495,000 | 2,138,333,000 | 2,137,794,000 | 2,171,416,000 |
| Total loans | 1,092,243,000 | 1,126,067,000 | 1,123,818,000 | 1,098,101,000 |
| Allowance for loan losses | 22,727,000 | 21,722,000 | 21,424,000 | 18,261,000 |
| Securities available for sale | 682,213,000 | 641,022,000 | 590,049,000 | 624,813,000 |
| Securities held to maturity | 207,440,000 | 215,491,000 | 251,410,000 | 275,737,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,951,142,000 | 1,919,342,000 | 1,925,450,000 | 1,956,629,000 |
| Interest-bearing deposits | 1,743,966,000 | 1,710,728,000 | 1,718,094,000 | 1,750,335,000 |
| Noninterest-bearing deposits | 207,176,000 | 208,614,000 | 207,356,000 | 206,294,000 |
| Equity capital | 194,076,000 | 191,223,000 | 198,100,000 | 198,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 15,884,000 | 32,127,000 | 48,680,000 | 65,129,000 |
| Interest expense | 1,390,000 | 2,781,000 | 4,155,000 | 5,491,000 |
| Net interest income | 14,494,000 | 29,346,000 | 44,525,000 | 59,638,000 |
| Noninterest income | 2,243,000 | 4,785,000 | 7,420,000 | 9,318,000 |
| Noninterest expense | 12,174,000 | 24,124,000 | 35,920,000 | 49,794,000 |
| Provision for loan losses | -2,475,000 | -1,965,000 | -1,965,000 | -1,965,000 |
| Pretax income | 7,038,000 | 13,459,000 | 19,481,000 | 22,629,000 |
| Income tax | 2,545,000 | 4,838,000 | 6,819,000 | 7,731,000 |
| Net income | 4,493,000 | 8,621,000 | 12,662,000 | 14,898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 190,979,000 | 191,286,000 | 195,133,000 | 198,378,000 |
| Total capital | 208,392,000 | 209,499,000 | 212,888,000 | 216,391,000 |
| Risk-weighted assets | 1,386,933,000 | 1,452,710,000 | 1,415,826,000 | 1,440,502,000 |