Call reports 2008
WEST TOWN BANK & TRUST — 2008
What WEST TOWN BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 58,180,000 | 57,625,000 | 57,745,000 | 57,651,000 |
| Total loans | 31,189,000 | 32,382,000 | 32,259,000 | 33,538,000 |
| Allowance for loan losses | 139,000 | 139,000 | 139,000 | 139,000 |
| Securities available for sale | 12,421,000 | 4,220,000 | 4,141,000 | 4,177,000 |
| Securities held to maturity | 7,153,000 | 12,970,000 | 12,542,000 | 12,226,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,474,000 | 54,348,000 | 54,392,000 | 54,184,000 |
| Interest-bearing deposits | 52,458,000 | 52,320,000 | 52,150,000 | 52,291,000 |
| Noninterest-bearing deposits | 2,016,000 | 2,028,000 | 2,242,000 | 1,893,000 |
| Equity capital | 3,533,000 | 3,065,000 | 3,122,000 | 3,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 748,000 | 1,470,000 | 2,208,000 | 2,939,000 |
| Interest expense | 500,000 | 970,000 | 1,402,000 | 1,819,000 |
| Net interest income | 248,000 | 500,000 | 806,000 | 1,120,000 |
| Noninterest income | 88,000 | 143,000 | 192,000 | 247,000 |
| Noninterest expense | 351,000 | 687,000 | 1,006,000 | 1,355,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -7,000 | -854,000 | -818,000 | -798,000 |
| Income tax | -5,000 | -242,000 | -232,000 | -227,000 |
| Net income | -2,000 | -612,000 | -586,000 | -571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,535,000 | 3,161,000 | 3,188,000 | 3,203,000 |
| Total capital | 3,674,000 | 3,300,000 | 3,327,000 | 3,342,000 |
| Risk-weighted assets | 26,981,000 | 28,125,000 | 27,752,000 | 28,171,000 |