Call reports 2016
WEST TOWN BANK & TRUST — 2016
What WEST TOWN BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 229,530,000 | 242,278,000 | 259,659,000 | 280,335,000 |
| Total loans | 192,667,000 | 197,274,000 | 215,036,000 | 229,035,000 |
| Allowance for loan losses | 1,869,000 | 1,970,000 | 2,168,000 | 2,318,000 |
| Securities available for sale | 5,908,000 | 5,616,000 | 5,249,000 | 5,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,802,000 | 178,870,000 | 199,934,000 | 217,095,000 |
| Interest-bearing deposits | 160,719,000 | 163,435,000 | 184,665,000 | 195,999,000 |
| Noninterest-bearing deposits | 12,083,000 | 15,435,000 | 15,269,000 | 21,096,000 |
| Equity capital | 25,018,000 | 25,763,000 | 26,245,000 | 27,842,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,848,000 | 5,568,000 | 8,738,000 | 12,104,000 |
| Interest expense | 544,000 | 1,126,000 | 1,759,000 | 2,470,000 |
| Net interest income | 2,304,000 | 4,442,000 | 6,979,000 | 9,634,000 |
| Noninterest income | 3,808,000 | 7,983,000 | 12,138,000 | 16,142,000 |
| Noninterest expense | 4,482,000 | 9,255,000 | 14,142,000 | 20,838,000 |
| Provision for loan losses | 123,000 | 523,000 | 749,000 | 1,319,000 |
| Pretax income | 1,507,000 | 2,647,000 | 4,226,000 | 3,619,000 |
| Income tax | 719,000 | 1,147,000 | 1,739,000 | 1,513,000 |
| Net income | 788,000 | 1,500,000 | 2,487,000 | 2,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,688,000 | 25,414,000 | 25,862,000 | 27,469,000 |
| Total capital | 26,557,000 | 27,384,000 | 28,030,000 | 29,787,000 |
| Risk-weighted assets | 175,663,000 | 186,761,000 | 201,478,000 | 212,537,000 |