Call reports 2007
WEST TOWN BANK & TRUST — 2007
What WEST TOWN BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 56,268,000 | 57,632,000 | 57,702,000 | 57,617,000 |
| Total loans | 24,386,000 | 27,233,000 | 27,182,000 | 28,770,000 |
| Allowance for loan losses | 138,000 | 138,000 | 139,000 | 139,000 |
| Securities available for sale | 13,678,000 | 13,341,000 | 13,248,000 | 13,232,000 |
| Securities held to maturity | 9,203,000 | 8,853,000 | 8,583,000 | 8,377,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,590,000 | 53,989,000 | 53,860,000 | 53,866,000 |
| Interest-bearing deposits | 50,068,000 | 51,661,000 | 51,520,000 | 51,603,000 |
| Noninterest-bearing deposits | 2,522,000 | 2,328,000 | 2,340,000 | 2,263,000 |
| Equity capital | 3,475,000 | 3,409,000 | 3,503,000 | 3,549,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 720,000 | 1,481,000 | 2,259,000 | 3,012,000 |
| Interest expense | 468,000 | 969,000 | 1,492,000 | 2,023,000 |
| Net interest income | 252,000 | 512,000 | 767,000 | 989,000 |
| Noninterest income | 64,000 | 155,000 | 237,000 | 300,000 |
| Noninterest expense | 269,000 | 574,000 | 873,000 | 1,206,000 |
| Provision for loan losses | 0 | -12,000 | -12,000 | -12,000 |
| Pretax income | 47,000 | 105,000 | 143,000 | 95,000 |
| Income tax | 6,000 | 26,000 | 38,000 | 22,000 |
| Net income | 41,000 | 79,000 | 105,000 | 73,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,605,000 | 3,615,000 | 3,637,000 | 3,616,000 |
| Total capital | 3,743,000 | 3,753,000 | 3,776,000 | 3,755,000 |
| Risk-weighted assets | 24,051,000 | 25,495,000 | 25,301,000 | 25,904,000 |