Call reports 2010
WEST TOWN BANK & TRUST — 2010
What WEST TOWN BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 88,552,000 | 94,238,000 | 107,591,000 | 110,338,000 |
| Total loans | 61,796,000 | 76,726,000 | 90,624,000 | 91,547,000 |
| Allowance for loan losses | 505,000 | 609,000 | 614,000 | 737,000 |
| Securities available for sale | 9,883,000 | 7,580,000 | 6,937,000 | 5,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,487,000 | 75,054,000 | 79,710,000 | 84,302,000 |
| Interest-bearing deposits | 72,999,000 | 71,880,000 | 76,752,000 | 81,409,000 |
| Noninterest-bearing deposits | 2,488,000 | 3,174,000 | 2,958,000 | 2,893,000 |
| Equity capital | 7,736,000 | 8,810,000 | 9,734,000 | 9,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,040,000 | 2,189,000 | 3,427,000 | 4,675,000 |
| Interest expense | 322,000 | 598,000 | 939,000 | 1,285,000 |
| Net interest income | 718,000 | 1,591,000 | 2,488,000 | 3,390,000 |
| Noninterest income | 1,244,000 | 2,924,000 | 6,817,000 | 11,803,000 |
| Noninterest expense | 1,725,000 | 3,795,000 | 7,198,000 | 12,754,000 |
| Provision for loan losses | 161,000 | 265,000 | 518,000 | 652,000 |
| Pretax income | 76,000 | 504,000 | 1,638,000 | 1,855,000 |
| Income tax | -12,000 | 51,000 | 256,000 | 685,000 |
| Net income | 88,000 | 453,000 | 1,382,000 | 1,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,063,000 | 8,189,000 | 9,098,000 | 8,572,000 |
| Total capital | 7,568,000 | 8,798,000 | 9,712,000 | 9,309,000 |
| Risk-weighted assets | 55,161,000 | 61,335,000 | 75,645,000 | 74,578,000 |
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