Call reports 2002
WEST TOWN BANK & TRUST — 2002
What WEST TOWN BANK & TRUST reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 61,605,000 | 58,755,000 | 59,460,000 | 57,826,000 |
| Total loans | 26,210,000 | 27,310,000 | 23,976,000 | 23,340,000 |
| Allowance for loan losses | 117,000 | 120,000 | 128,000 | 231,000 |
| Securities available for sale | 180,000 | 180,000 | 180,000 | 180,000 |
| Securities held to maturity | 22,534,000 | 22,803,000 | 18,830,000 | 16,267,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,402,000 | 53,103,000 | 53,771,000 | 53,576,000 |
| Interest-bearing deposits | 49,784,000 | 51,132,000 | 51,742,000 | 51,499,000 |
| Noninterest-bearing deposits | 1,618,000 | 1,971,000 | 2,029,000 | 2,077,000 |
| Equity capital | 3,606,000 | 3,687,000 | 3,782,000 | 3,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 745,000 | 1,530,000 | 2,300,000 | 2,937,000 |
| Interest expense | 429,000 | 853,000 | 1,247,000 | 1,622,000 |
| Net interest income | 316,000 | 677,000 | 1,053,000 | 1,315,000 |
| Noninterest income | 68,000 | 106,000 | 164,000 | 351,000 |
| Noninterest expense | 291,000 | 563,000 | 844,000 | 1,169,000 |
| Provision for loan losses | 3,000 | 6,000 | 14,000 | 117,000 |
| Pretax income | 90,000 | 214,000 | 359,000 | 380,000 |
| Income tax | 18,000 | 66,000 | 122,000 | 193,000 |
| Net income | 72,000 | 148,000 | 237,000 | 187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,555,000 | 3,636,000 | 3,731,000 | 3,688,000 |
| Total capital | 3,672,000 | 3,756,000 | 3,859,000 | 3,917,000 |
| Risk-weighted assets | 26,710,000 | 26,183,000 | 25,742,000 | 25,228,000 |