Call reports 2002
WEST SIDE BANK AND TRUST — 2002
What WEST SIDE BANK AND TRUST reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 96,772,000 | 99,482,000 | 102,284,000 | 103,815,000 |
| Total loans | 64,821,000 | 69,068,000 | 76,354,000 | 72,506,000 |
| Allowance for loan losses | 1,102,000 | 1,328,000 | 1,694,000 | 1,461,000 |
| Securities available for sale | 7,717,000 | 8,296,000 | 7,225,000 | 6,547,000 |
| Securities held to maturity | 2,500,000 | 2,250,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,026,000 | 88,250,000 | 91,835,000 | 94,032,000 |
| Interest-bearing deposits | 68,767,000 | 71,247,000 | 73,029,000 | 76,863,000 |
| Noninterest-bearing deposits | 16,259,000 | 17,003,000 | 18,805,000 | 17,169,000 |
| Equity capital | 11,159,000 | 10,822,000 | 9,861,000 | 9,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,428,000 | 3,008,000 | 4,705,000 | 6,370,000 |
| Interest expense | 493,000 | 945,000 | 1,370,000 | 1,871,000 |
| Net interest income | 935,000 | 2,063,000 | 3,335,000 | 4,499,000 |
| Noninterest income | 221,000 | 473,000 | 675,000 | 902,000 |
| Noninterest expense | 1,463,000 | 3,002,000 | 4,327,000 | 5,831,000 |
| Provision for loan losses | 0 | 250,000 | 1,385,000 | 1,885,000 |
| Pretax income | -307,000 | -716,000 | -1,702,000 | -2,315,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -307,000 | -716,000 | -1,702,000 | -2,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,657,000 | 8,248,000 | 7,263,000 | 6,650,000 |
| Total capital | 9,513,000 | 9,147,000 | 8,248,000 | 7,601,000 |
| Risk-weighted assets | 68,199,000 | 71,501,000 | 78,062,000 | 75,562,000 |