Call reports 2004
WEST SIDE BANK AND TRUST — 2004
What WEST SIDE BANK AND TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 61,988,000 | 57,962,000 | 54,156,000 | 54,662,000 |
| Total loans | 52,610,000 | 49,951,000 | 46,994,000 | 43,594,000 |
| Allowance for loan losses | 816,000 | 1,277,000 | 1,736,000 | 1,835,000 |
| Securities available for sale | 0 | 0 | 0 | 34,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,788,000 | 48,823,000 | 45,850,000 | 43,968,000 |
| Interest-bearing deposits | 39,415,000 | 38,413,000 | 37,662,000 | 36,292,000 |
| Noninterest-bearing deposits | 9,373,000 | 10,410,000 | 8,188,000 | 7,676,000 |
| Equity capital | 9,104,000 | 8,683,000 | 7,758,000 | 6,459,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,013,000 | 2,110,000 | 3,066,000 | 4,020,000 |
| Interest expense | 254,000 | 503,000 | 746,000 | 980,000 |
| Net interest income | 759,000 | 1,607,000 | 2,320,000 | 3,040,000 |
| Noninterest income | 378,000 | 538,000 | 618,000 | 628,000 |
| Noninterest expense | 926,000 | 1,822,000 | 2,797,000 | 4,657,000 |
| Provision for loan losses | 0 | 533,000 | 1,276,000 | 1,460,000 |
| Pretax income | 208,000 | -213,000 | -1,138,000 | -2,452,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 208,000 | -213,000 | -1,138,000 | -2,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,095,000 | 7,674,000 | 6,749,000 | 5,399,000 |
| Total capital | 8,731,000 | 8,274,000 | 7,310,000 | 5,929,000 |
| Risk-weighted assets | 50,671,000 | 47,339,000 | 43,700,000 | 41,007,000 |