Call reports 2004
WEST TOWN BANK & TRUST — 2004
What WEST TOWN BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 59,897,000 | 58,628,000 | 59,302,000 | 57,796,000 |
| Total loans | 20,318,000 | 18,194,000 | 18,501,000 | 17,509,000 |
| Allowance for loan losses | 243,000 | 1,039,000 | 1,280,000 | 53,000 |
| Securities available for sale | 25,873,000 | 20,717,000 | 20,384,000 | 19,254,000 |
| Securities held to maturity | 369,000 | 4,247,000 | 4,150,000 | 6,508,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,603,000 | 55,445,000 | 55,778,000 | 53,571,000 |
| Interest-bearing deposits | 53,326,000 | 53,059,000 | 53,076,000 | 51,356,000 |
| Noninterest-bearing deposits | 2,277,000 | 2,386,000 | 2,702,000 | 2,215,000 |
| Equity capital | 3,981,000 | 2,953,000 | 3,175,000 | 3,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 591,000 | 1,079,000 | 1,664,000 | 2,332,000 |
| Interest expense | 258,000 | 505,000 | 755,000 | 1,003,000 |
| Net interest income | 333,000 | 574,000 | 909,000 | 1,329,000 |
| Noninterest income | 44,000 | 195,000 | 252,000 | 304,000 |
| Noninterest expense | 324,000 | 632,000 | 972,000 | 1,335,000 |
| Provision for loan losses | 3,000 | 1,033,000 | 1,036,000 | 1,326,000 |
| Pretax income | 50,000 | -896,000 | -847,000 | -1,028,000 |
| Income tax | 12,000 | -288,000 | -266,000 | -252,000 |
| Net income | 38,000 | -608,000 | -581,000 | -776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,886,000 | 3,156,000 | 3,192,000 | 3,196,000 |
| Total capital | 4,129,000 | 3,431,000 | 3,472,000 | 3,249,000 |
| Risk-weighted assets | 23,827,000 | 21,273,000 | 21,437,000 | 20,845,000 |
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