Call reports 2012
WEST TOWN BANK & TRUST — 2012
What WEST TOWN BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 127,580,000 | 131,637,000 | 134,313,000 | 140,392,000 |
| Total loans | 110,513,000 | 106,911,000 | 112,059,000 | 117,444,000 |
| Allowance for loan losses | 1,250,000 | 1,200,000 | 1,360,000 | 1,250,000 |
| Securities available for sale | 5,244,000 | 9,530,000 | 9,342,000 | 10,531,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,417,000 | 106,138,000 | 105,350,000 | 99,332,000 |
| Interest-bearing deposits | 108,587,000 | 101,436,000 | 101,061,000 | 95,141,000 |
| Noninterest-bearing deposits | 3,830,000 | 4,702,000 | 4,289,000 | 4,191,000 |
| Equity capital | 11,028,000 | 11,821,000 | 12,901,000 | 13,579,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,454,000 | 2,889,000 | 4,423,000 | 5,813,000 |
| Interest expense | 340,000 | 667,000 | 990,000 | 1,313,000 |
| Net interest income | 1,114,000 | 2,222,000 | 3,433,000 | 4,500,000 |
| Noninterest income | 6,692,000 | 13,269,000 | 22,004,000 | 29,175,000 |
| Noninterest expense | 6,255,000 | 12,426,000 | 19,899,000 | 27,114,000 |
| Provision for loan losses | 278,000 | 712,000 | 1,560,000 | 1,507,000 |
| Pretax income | 1,273,000 | 2,350,000 | 3,975,000 | 5,051,000 |
| Income tax | 494,000 | 912,000 | 1,539,000 | 1,960,000 |
| Net income | 779,000 | 1,438,000 | 2,436,000 | 3,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,029,000 | 11,777,000 | 12,772,000 | 13,449,000 |
| Total capital | 12,045,000 | 12,902,000 | 13,957,000 | 14,699,000 |
| Risk-weighted assets | 91,309,000 | 89,962,000 | 98,344,000 | 100,488,000 |