Call reports 2023
WEST TOWN BANK & TRUST — 2023
What WEST TOWN BANK & TRUST reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 421,625,000 | 438,505,000 | 454,325,000 | 501,285,000 |
| Total loans | 358,553,000 | 358,905,000 | 384,700,000 | 400,154,000 |
| Allowance for loan losses | 6,011,000 | 6,086,000 | 6,128,000 | 6,936,000 |
| Securities available for sale | 17,504,000 | 18,977,000 | 17,827,000 | 22,668,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,649,000 | 382,753,000 | 396,508,000 | 440,300,000 |
| Interest-bearing deposits | 279,756,000 | 296,825,000 | 307,487,000 | 345,509,000 |
| Noninterest-bearing deposits | 79,893,000 | 85,928,000 | 89,021,000 | 94,791,000 |
| Equity capital | 47,472,000 | 51,236,000 | 53,023,000 | 56,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 6,956,000 | 14,540,000 | 22,477,000 | 31,180,000 |
| Interest expense | 1,780,000 | 4,282,000 | 7,035,000 | 10,388,000 |
| Net interest income | 5,176,000 | 10,258,000 | 15,442,000 | 20,792,000 |
| Noninterest income | 2,078,000 | 7,211,000 | 9,389,000 | 10,987,000 |
| Noninterest expense | 4,261,000 | 9,170,000 | 13,269,000 | 16,656,000 |
| Provision for loan losses | 585,000 | 745,000 | 745,000 | 1,245,000 |
| Pretax income | 2,408,000 | 7,554,000 | 10,817,000 | 13,878,000 |
| Income tax | 583,000 | 1,866,000 | 2,674,000 | 3,098,000 |
| Net income | 1,767,000 | 5,640,000 | 8,095,000 | 10,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,377,000 | 50,262,000 | 52,174,000 | 55,571,000 |
| Total capital | 51,967,000 | 54,985,000 | 57,097,000 | 60,516,000 |
| Risk-weighted assets | 365,805,000 | 376,533,000 | 392,713,000 | 393,650,000 |