Call reports 2021
WEST TOWN BANK & TRUST — 2021
What WEST TOWN BANK & TRUST reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 362,486,000 | 395,935,000 | 402,932,000 | 411,380,000 |
| Total loans | 295,934,000 | 279,023,000 | 279,816,000 | 287,505,000 |
| Allowance for loan losses | 5,610,000 | 5,635,000 | 5,810,000 | 5,547,000 |
| Securities available for sale | 16,227,000 | 18,938,000 | 19,353,000 | 20,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 318,179,000 | 343,568,000 | 351,123,000 | 352,800,000 |
| Interest-bearing deposits | 234,523,000 | 238,599,000 | 241,959,000 | 233,843,000 |
| Noninterest-bearing deposits | 83,656,000 | 104,969,000 | 109,164,000 | 118,957,000 |
| Equity capital | 36,686,000 | 39,962,000 | 40,513,000 | 48,249,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,602,000 | 7,550,000 | 11,476,000 | 15,295,000 |
| Interest expense | 704,000 | 1,366,000 | 2,011,000 | 2,572,000 |
| Net interest income | 2,898,000 | 6,184,000 | 9,465,000 | 12,723,000 |
| Noninterest income | 3,325,000 | 10,131,000 | 13,560,000 | 15,232,000 |
| Noninterest expense | 5,068,000 | 10,701,000 | 16,232,000 | 22,091,000 |
| Provision for loan losses | 622,000 | 671,000 | 1,172,000 | 1,947,000 |
| Pretax income | 533,000 | 4,943,000 | 5,621,000 | 3,917,000 |
| Income tax | 195,000 | 1,425,000 | 1,667,000 | -1,747,000 |
| Net income | 472,000 | 3,807,000 | 4,398,000 | 6,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,769,000 | 37,524,000 | 38,117,000 | 45,797,000 |
| Total capital | 38,414,000 | 41,015,000 | 41,690,000 | 49,418,000 |
| Risk-weighted assets | 289,639,000 | 277,146,000 | 283,622,000 | 287,821,000 |