Call reports 2005
WEST TOWN BANK & TRUST — 2005
What WEST TOWN BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 54,451,000 | 54,800,000 | 53,636,000 | 54,811,000 |
| Total loans | 17,127,000 | 17,355,000 | 17,304,000 | 18,974,000 |
| Allowance for loan losses | 33,000 | 38,000 | 44,000 | 136,000 |
| Securities available for sale | 16,467,000 | 16,107,000 | 15,555,000 | 15,153,000 |
| Securities held to maturity | 11,266,000 | 10,469,000 | 11,076,000 | 10,695,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,242,000 | 50,371,000 | 49,176,000 | 51,102,000 |
| Interest-bearing deposits | 48,182,000 | 47,623,000 | 46,430,000 | 48,061,000 |
| Noninterest-bearing deposits | 2,060,000 | 2,748,000 | 2,746,000 | 3,041,000 |
| Equity capital | 3,261,000 | 3,426,000 | 3,372,000 | 3,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 656,000 | 1,287,000 | 1,930,000 | 2,572,000 |
| Interest expense | 237,000 | 484,000 | 748,000 | 1,055,000 |
| Net interest income | 419,000 | 803,000 | 1,182,000 | 1,517,000 |
| Noninterest income | 42,000 | 98,000 | 154,000 | 213,000 |
| Noninterest expense | 342,000 | 688,000 | 1,021,000 | 1,364,000 |
| Provision for loan losses | 3,000 | 8,000 | 14,000 | 14,000 |
| Pretax income | 116,000 | 205,000 | 301,000 | 352,000 |
| Income tax | -47,000 | -16,000 | 18,000 | 36,000 |
| Net income | 163,000 | 221,000 | 283,000 | 316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,355,000 | 3,427,000 | 3,467,000 | 3,489,000 |
| Total capital | 3,388,000 | 3,465,000 | 3,511,000 | 3,625,000 |
| Risk-weighted assets | 20,210,000 | 20,465,000 | 20,368,000 | 21,279,000 |