Call reports 2019
WEST TOWN BANK & TRUST — 2019
What WEST TOWN BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 255,818,000 | 269,660,000 | 275,241,000 | 279,086,000 |
| Total loans | 207,686,000 | 224,394,000 | 225,611,000 | 236,038,000 |
| Allowance for loan losses | 3,140,000 | 3,400,000 | 3,462,000 | 3,837,000 |
| Securities available for sale | 11,458,000 | 10,726,000 | 11,814,000 | 11,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,067,000 | 230,808,000 | 234,610,000 | 222,465,000 |
| Interest-bearing deposits | 159,520,000 | 164,619,000 | 177,472,000 | 170,869,000 |
| Noninterest-bearing deposits | 40,547,000 | 66,189,000 | 57,138,000 | 51,596,000 |
| Equity capital | 32,906,000 | 34,246,000 | 35,687,000 | 36,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,907,000 | 7,768,000 | 11,646,000 | 15,346,000 |
| Interest expense | 991,000 | 1,909,000 | 2,874,000 | 3,876,000 |
| Net interest income | 2,916,000 | 5,859,000 | 8,772,000 | 11,470,000 |
| Noninterest income | 1,360,000 | 4,263,000 | 6,342,000 | 9,413,000 |
| Noninterest expense | 3,211,000 | 6,851,000 | 9,689,000 | 13,625,000 |
| Provision for loan losses | 195,000 | 658,000 | 858,000 | 2,013,000 |
| Pretax income | 870,000 | 2,613,000 | 4,567,000 | 5,245,000 |
| Income tax | 226,000 | 678,000 | 1,187,000 | 1,318,000 |
| Net income | 644,000 | 1,935,000 | 3,380,000 | 3,927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,208,000 | 33,446,000 | 34,706,000 | 34,878,000 |
| Total capital | 34,844,000 | 36,175,000 | 37,545,000 | 37,805,000 |
| Risk-weighted assets | 210,285,000 | 217,618,000 | 226,515,000 | 233,291,000 |