Call reports 2003
WEST SIDE BANK AND TRUST — 2003
What WEST SIDE BANK AND TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 99,153,000 | 98,404,000 | 95,726,000 | 90,892,000 |
| Total loans | 71,474,000 | 69,042,000 | 68,300,000 | 66,254,000 |
| Allowance for loan losses | 1,577,000 | 1,578,000 | 1,666,000 | 907,000 |
| Securities available for sale | 3,708,000 | 3,576,000 | 1,394,000 | 752,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,475,000 | 88,972,000 | 86,036,000 | 81,443,000 |
| Interest-bearing deposits | 71,844,000 | 68,141,000 | 66,619,000 | 61,093,000 |
| Noninterest-bearing deposits | 17,631,000 | 20,830,000 | 19,417,000 | 20,350,000 |
| Equity capital | 9,191,000 | 9,059,000 | 9,007,000 | 8,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,513,000 | 2,938,000 | 4,289,000 | 5,587,000 |
| Interest expense | 463,000 | 908,000 | 1,314,000 | 1,658,000 |
| Net interest income | 1,050,000 | 2,030,000 | 2,975,000 | 3,929,000 |
| Noninterest income | 230,000 | 416,000 | 748,000 | 958,000 |
| Noninterest expense | 1,331,000 | 2,665,000 | 3,949,000 | 5,229,000 |
| Provision for loan losses | 0 | 0 | 0 | 245,000 |
| Pretax income | -51,000 | -219,000 | -183,000 | -544,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -51,000 | -219,000 | -183,000 | -544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,599,000 | 6,430,000 | 6,467,000 | 6,106,000 |
| Total capital | 7,526,000 | 7,338,000 | 7,376,000 | 7,013,000 |
| Risk-weighted assets | 73,521,000 | 71,975,000 | 72,690,000 | 78,198,000 |