Call reports 2022
WEST TOWN BANK & TRUST — 2022
What WEST TOWN BANK & TRUST reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 385,199,000 | 389,211,000 | 390,415,000 | 403,579,000 |
| Total loans | 313,376,000 | 325,851,000 | 323,815,000 | 335,066,000 |
| Allowance for loan losses | 5,622,000 | 6,361,000 | 6,710,000 | 6,709,000 |
| Securities available for sale | 20,404,000 | 19,038,000 | 17,461,000 | 17,712,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,823,000 | 336,711,000 | 326,684,000 | 316,877,000 |
| Interest-bearing deposits | 233,953,000 | 250,028,000 | 218,843,000 | 206,887,000 |
| Noninterest-bearing deposits | 95,870,000 | 86,683,000 | 107,841,000 | 109,990,000 |
| Equity capital | 47,093,000 | 48,245,000 | 41,052,000 | 44,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,907,000 | 9,661,000 | 15,062,000 | 21,219,000 |
| Interest expense | 522,000 | 1,060,000 | 1,605,000 | 2,433,000 |
| Net interest income | 4,385,000 | 8,601,000 | 13,457,000 | 18,786,000 |
| Noninterest income | 2,065,000 | 6,469,000 | 9,700,000 | 13,127,000 |
| Noninterest expense | 6,206,000 | 11,955,000 | 28,292,000 | 33,706,000 |
| Provision for loan losses | 180,000 | 640,000 | 960,000 | 810,000 |
| Pretax income | 64,000 | 2,475,000 | -6,095,000 | -2,603,000 |
| Income tax | 24,000 | 672,000 | -1,547,000 | -1,616,000 |
| Net income | 42,000 | 1,883,000 | -4,429,000 | -1,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,900,000 | 47,824,000 | 41,600,000 | 45,012,000 |
| Total capital | 49,562,000 | 51,706,000 | 45,921,000 | 49,549,000 |
| Risk-weighted assets | 291,073,000 | 308,105,000 | 343,297,000 | 360,837,000 |