Call reports 2020
WEST TOWN BANK & TRUST — 2020
What WEST TOWN BANK & TRUST reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 275,346,000 | 312,380,000 | 333,823,000 | 357,896,000 |
| Total loans | 228,262,000 | 262,847,000 | 280,736,000 | 292,093,000 |
| Allowance for loan losses | 4,908,000 | 4,906,000 | 5,029,000 | 5,144,000 |
| Securities available for sale | 14,956,000 | 16,090,000 | 14,473,000 | 15,721,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,337,000 | 266,137,000 | 290,034,000 | 306,662,000 |
| Interest-bearing deposits | 162,059,000 | 198,107,000 | 206,913,000 | 220,035,000 |
| Noninterest-bearing deposits | 61,278,000 | 68,030,000 | 83,121,000 | 86,627,000 |
| Equity capital | 35,406,000 | 34,259,000 | 35,639,000 | 36,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,861,000 | 7,441,000 | 11,052,000 | 14,614,000 |
| Interest expense | 894,000 | 1,742,000 | 2,599,000 | 3,359,000 |
| Net interest income | 2,967,000 | 5,699,000 | 8,453,000 | 11,255,000 |
| Noninterest income | 2,779,000 | 3,869,000 | 7,512,000 | 11,282,000 |
| Noninterest expense | 3,672,000 | 8,435,000 | 12,899,000 | 18,166,000 |
| Provision for loan losses | 3,460,000 | 4,125,000 | 4,250,000 | 4,460,000 |
| Pretax income | -1,386,000 | -2,992,000 | -1,184,000 | -89,000 |
| Income tax | -348,000 | -751,000 | -268,000 | 204,000 |
| Net income | -1,038,000 | -2,241,000 | -850,000 | -132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,488,000 | 32,383,000 | 33,658,000 | 34,308,000 |
| Total capital | 36,433,000 | 35,404,000 | 36,714,000 | 37,888,000 |
| Risk-weighted assets | 233,644,000 | 239,815,000 | 242,571,000 | 284,875,000 |