Call reports 2009
WEST TOWN BANK & TRUST — 2009
What WEST TOWN BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 58,445,000 | 58,656,000 | 60,802,000 | 87,590,000 |
| Total loans | 31,848,000 | 31,051,000 | 33,603,000 | 63,717,000 |
| Allowance for loan losses | 139,000 | 266,000 | 3,000 | 344,000 |
| Securities available for sale | 4,061,000 | 3,809,000 | 12,973,000 | 10,403,000 |
| Securities held to maturity | 11,794,000 | 11,146,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,861,000 | 54,521,000 | 52,793,000 | 59,161,000 |
| Interest-bearing deposits | 53,086,000 | 52,581,000 | 50,906,000 | 55,927,000 |
| Noninterest-bearing deposits | 1,775,000 | 1,940,000 | 1,887,000 | 3,234,000 |
| Equity capital | 3,370,000 | 3,910,000 | 7,481,000 | 8,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 838,000 | 1,779,000 | 2,008,000 | 2,846,000 |
| Interest expense | 388,000 | 748,000 | 949,000 | 1,325,000 |
| Net interest income | 450,000 | 1,031,000 | 1,059,000 | 1,521,000 |
| Noninterest income | 64,000 | 129,000 | 562,000 | 1,041,000 |
| Noninterest expense | 407,000 | 762,000 | 1,284,000 | 5,704,000 |
| Provision for loan losses | 0 | 127,000 | 132,000 | 205,000 |
| Pretax income | 107,000 | 271,000 | 205,000 | -3,303,000 |
| Income tax | 9,000 | 55,000 | 35,000 | -20,000 |
| Net income | 98,000 | 216,000 | 170,000 | -3,283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,301,000 | 3,868,000 | 6,647,000 | 7,642,000 |
| Total capital | 3,440,000 | 4,134,000 | 6,650,000 | 7,986,000 |
| Risk-weighted assets | 28,245,000 | 28,124,000 | 31,986,000 | 61,677,000 |
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