Call reports 2013
WEST TOWN BANK & TRUST — 2013
What WEST TOWN BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 148,106,000 | 152,757,000 | 141,630,000 | 150,121,000 |
| Total loans | 120,167,000 | 133,758,000 | 113,579,000 | 125,172,000 |
| Allowance for loan losses | 1,300,000 | 1,324,000 | 1,180,000 | 1,107,000 |
| Securities available for sale | 10,920,000 | 6,841,000 | 10,036,000 | 9,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,636,000 | 126,213,000 | 124,031,000 | 115,775,000 |
| Interest-bearing deposits | 99,347,000 | 120,657,000 | 118,642,000 | 110,274,000 |
| Noninterest-bearing deposits | 5,289,000 | 5,556,000 | 5,389,000 | 5,501,000 |
| Equity capital | 14,283,000 | 15,108,000 | 15,586,000 | 16,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,501,000 | 3,029,000 | 4,956,000 | 6,661,000 |
| Interest expense | 315,000 | 666,000 | 1,006,000 | 1,321,000 |
| Net interest income | 1,186,000 | 2,363,000 | 3,950,000 | 5,340,000 |
| Noninterest income | 6,656,000 | 14,589,000 | 18,310,000 | 21,645,000 |
| Noninterest expense | 6,462,000 | 13,728,000 | 17,869,000 | 21,762,000 |
| Provision for loan losses | 207,000 | 707,000 | 1,130,000 | 1,061,000 |
| Pretax income | 1,170,000 | 2,479,000 | 3,224,000 | 4,129,000 |
| Income tax | 454,000 | 962,000 | 1,246,000 | 1,599,000 |
| Net income | 716,000 | 1,517,000 | 1,978,000 | 2,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,183,000 | 14,995,000 | 15,459,000 | 16,007,000 |
| Total capital | 15,483,000 | 16,319,000 | 16,639,000 | 17,114,000 |
| Risk-weighted assets | 106,833,000 | 120,373,000 | 108,015,000 | 113,881,000 |