Call reports 2014
WEST TOWN BANK & TRUST — 2014
What WEST TOWN BANK & TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 153,978,000 | 172,384,000 | 173,565,000 | 183,453,000 |
| Total loans | 131,681,000 | 148,256,000 | 149,528,000 | 153,516,000 |
| Allowance for loan losses | 1,168,000 | 1,450,000 | 1,600,000 | 1,600,000 |
| Securities available for sale | 8,082,000 | 6,265,000 | 5,968,000 | 5,689,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,568,000 | 132,816,000 | 139,422,000 | 142,127,000 |
| Interest-bearing deposits | 113,727,000 | 125,393,000 | 132,959,000 | 135,050,000 |
| Noninterest-bearing deposits | 5,841,000 | 7,423,000 | 6,463,000 | 7,077,000 |
| Equity capital | 16,590,000 | 16,989,000 | 19,066,000 | 20,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,751,000 | 3,822,000 | 5,915,000 | 8,201,000 |
| Interest expense | 311,000 | 657,000 | 1,051,000 | 1,459,000 |
| Net interest income | 1,440,000 | 3,165,000 | 4,864,000 | 6,742,000 |
| Noninterest income | 3,231,000 | 8,132,000 | 16,306,000 | 21,495,000 |
| Noninterest expense | 3,914,000 | 9,380,000 | 15,417,000 | 20,845,000 |
| Provision for loan losses | 116,000 | 424,000 | 868,000 | 871,000 |
| Pretax income | 638,000 | 1,543,000 | 4,935,000 | 6,573,000 |
| Income tax | 211,000 | 595,000 | 1,918,000 | 2,547,000 |
| Net income | 427,000 | 948,000 | 3,017,000 | 4,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,440,000 | 16,831,000 | 18,666,000 | 19,700,000 |
| Total capital | 17,607,000 | 18,281,000 | 20,266,000 | 21,300,000 |
| Risk-weighted assets | 124,284,000 | 137,160,000 | 143,386,000 | 148,288,000 |