Call reports 2003
WEST TOWN BANK & TRUST — 2003
What WEST TOWN BANK & TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 58,834,000 | 58,131,000 | 57,633,000 | 60,401,000 |
| Total loans | 22,648,000 | 21,048,000 | 21,776,000 | 19,979,000 |
| Allowance for loan losses | 234,000 | 237,000 | 237,000 | 240,000 |
| Securities available for sale | 7,940,000 | 13,513,000 | 18,790,000 | 26,568,000 |
| Securities held to maturity | 10,544,000 | 4,508,000 | 516,000 | 397,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,606,000 | 53,918,000 | 53,616,000 | 56,347,000 |
| Interest-bearing deposits | 52,381,000 | 51,811,000 | 51,541,000 | 54,070,000 |
| Noninterest-bearing deposits | 2,225,000 | 2,107,000 | 2,075,000 | 2,277,000 |
| Equity capital | 3,861,000 | 3,874,000 | 3,760,000 | 3,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 631,000 | 1,227,000 | 1,744,000 | 2,308,000 |
| Interest expense | 339,000 | 657,000 | 946,000 | 1,217,000 |
| Net interest income | 292,000 | 570,000 | 798,000 | 1,091,000 |
| Noninterest income | 6,000 | 55,000 | 110,000 | 158,000 |
| Noninterest expense | 288,000 | 574,000 | 887,000 | 1,191,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 7,000 | 45,000 | 12,000 | 46,000 |
| Income tax | -83,000 | -71,000 | -82,000 | -75,000 |
| Net income | 90,000 | 116,000 | 94,000 | 121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,786,000 | 3,818,000 | 3,804,000 | 3,837,000 |
| Total capital | 4,020,000 | 4,055,000 | 4,041,000 | 4,077,000 |
| Risk-weighted assets | 25,013,000 | 23,335,000 | 23,677,000 | 23,497,000 |
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