Call reports 2006
WEST TOWN BANK & TRUST — 2006
What WEST TOWN BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 55,202,000 | 54,886,000 | 53,829,000 | 55,199,000 |
| Total loans | 18,870,000 | 20,406,000 | 21,633,000 | 23,150,000 |
| Allowance for loan losses | 137,000 | 137,000 | 138,000 | 138,000 |
| Securities available for sale | 14,800,000 | 14,502,000 | 14,480,000 | 13,807,000 |
| Securities held to maturity | 10,456,000 | 10,091,000 | 9,785,000 | 9,549,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,692,000 | 51,420,000 | 50,178,000 | 51,486,000 |
| Interest-bearing deposits | 48,614,000 | 48,308,000 | 47,490,000 | 48,850,000 |
| Noninterest-bearing deposits | 3,078,000 | 3,112,000 | 2,688,000 | 2,636,000 |
| Equity capital | 3,245,000 | 3,202,000 | 3,394,000 | 3,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 657,000 | 1,342,000 | 2,050,000 | 2,762,000 |
| Interest expense | 342,000 | 724,000 | 1,145,000 | 1,592,000 |
| Net interest income | 315,000 | 618,000 | 905,000 | 1,170,000 |
| Noninterest income | 71,000 | 126,000 | 188,000 | 263,000 |
| Noninterest expense | 390,000 | 718,000 | 1,001,000 | 1,320,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -4,000 | 26,000 | 92,000 | 113,000 |
| Income tax | -6,000 | 4,000 | 26,000 | 33,000 |
| Net income | 2,000 | 22,000 | 66,000 | 80,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,480,000 | 3,489,000 | 3,524,000 | 3,557,000 |
| Total capital | 3,617,000 | 3,626,000 | 3,662,000 | 3,695,000 |
| Risk-weighted assets | 21,356,000 | 22,067,000 | 22,318,000 | 23,121,000 |
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