Call reports 2005
WEST SIDE BANK AND TRUST — 2005
What WEST SIDE BANK AND TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 50,080,000 | 48,825,000 | 50,595,000 | 49,380,000 |
| Total loans | 44,279,000 | 43,246,000 | 42,353,000 | 37,813,000 |
| Allowance for loan losses | 1,996,000 | 2,004,000 | 1,930,000 | 1,233,000 |
| Securities available for sale | 39,000 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,654,000 | 42,084,000 | 43,942,000 | 42,500,000 |
| Interest-bearing deposits | 33,249,000 | 33,137,000 | 35,573,000 | 35,598,000 |
| Noninterest-bearing deposits | 7,405,000 | 8,947,000 | 8,369,000 | 6,902,000 |
| Equity capital | 5,870,000 | 5,483,000 | 6,254,000 | 6,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 882,000 | 1,809,000 | 2,869,000 | 3,990,000 |
| Interest expense | 229,000 | 459,000 | 715,000 | 998,000 |
| Net interest income | 653,000 | 1,350,000 | 2,154,000 | 2,992,000 |
| Noninterest income | 107,000 | 308,000 | 1,408,000 | 1,509,000 |
| Noninterest expense | 1,201,000 | 2,412,000 | 3,495,000 | 4,692,000 |
| Provision for loan losses | 148,000 | 223,000 | 273,000 | -357,000 |
| Pretax income | -589,000 | -960,000 | -189,000 | 183,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -589,000 | -960,000 | -189,000 | 183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,810,000 | 4,438,000 | 5,209,000 | 5,581,000 |
| Total capital | 5,332,000 | 4,944,000 | 5,714,000 | 6,049,000 |
| Risk-weighted assets | 39,501,000 | 38,982,000 | 39,021,000 | 36,710,000 |