Call reports 2015
WEST TOWN BANK & TRUST — 2015
What WEST TOWN BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 206,023,000 | 203,085,000 | 203,408,000 | 214,636,000 |
| Total loans | 174,740,000 | 170,644,000 | 164,942,000 | 177,733,000 |
| Allowance for loan losses | 1,750,000 | 1,750,000 | 1,770,000 | 1,834,000 |
| Securities available for sale | 6,379,000 | 6,066,000 | 5,807,000 | 6,372,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,212,000 | 162,254,000 | 165,694,000 | 178,377,000 |
| Interest-bearing deposits | 154,622,000 | 153,391,000 | 151,348,000 | 162,279,000 |
| Noninterest-bearing deposits | 7,590,000 | 8,863,000 | 14,346,000 | 16,098,000 |
| Equity capital | 20,719,000 | 22,038,000 | 23,068,000 | 24,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,299,000 | 4,898,000 | 7,277,000 | 10,158,000 |
| Interest expense | 446,000 | 965,000 | 1,466,000 | 1,998,000 |
| Net interest income | 1,853,000 | 3,933,000 | 5,811,000 | 8,160,000 |
| Noninterest income | 6,485,000 | 12,352,000 | 17,405,000 | 22,205,000 |
| Noninterest expense | 6,554,000 | 12,699,000 | 17,729,000 | 23,427,000 |
| Provision for loan losses | 211,000 | 229,000 | 417,000 | 481,000 |
| Pretax income | 1,573,000 | 3,357,000 | 5,070,000 | 6,457,000 |
| Income tax | 624,000 | 1,342,000 | 2,035,000 | 2,456,000 |
| Net income | 949,000 | 2,015,000 | 3,035,000 | 4,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,519,000 | 21,819,000 | 22,840,000 | 23,912,000 |
| Total capital | 22,269,000 | 23,569,000 | 24,610,000 | 25,746,000 |
| Risk-weighted assets | 165,388,000 | 156,464,000 | 159,531,000 | 175,984,000 |