Call reports 2006
WEST SIDE BANK AND TRUST — 2006
What WEST SIDE BANK AND TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 32,336,000 | 32,144,000 | 28,732,000 | 33,425,000 |
| Total loans | 22,336,000 | 16,337,000 | 17,937,000 | 22,225,000 |
| Allowance for loan losses | 1,061,000 | 622,000 | 782,000 | 768,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,191,000 | 24,090,000 | 20,878,000 | 26,377,000 |
| Interest-bearing deposits | 20,080,000 | 20,038,000 | 17,304,000 | 22,764,000 |
| Noninterest-bearing deposits | 4,111,000 | 4,052,000 | 3,574,000 | 3,613,000 |
| Equity capital | 7,946,000 | 7,867,000 | 7,611,000 | 6,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 764,000 | 1,365,000 | 1,927,000 | 2,476,000 |
| Interest expense | 226,000 | 441,000 | 649,000 | 861,000 |
| Net interest income | 538,000 | 924,000 | 1,278,000 | 1,615,000 |
| Noninterest income | 1,779,000 | 2,247,000 | 2,432,000 | 2,496,000 |
| Noninterest expense | 1,061,000 | 1,919,000 | 2,551,000 | 3,607,000 |
| Provision for loan losses | -98,000 | -98,000 | 39,000 | 39,000 |
| Pretax income | 1,354,000 | 1,350,000 | 1,120,000 | 465,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,354,000 | 1,350,000 | 1,120,000 | 465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,946,000 | 7,867,000 | 7,611,000 | 6,913,000 |
| Total capital | 8,260,000 | 8,121,000 | 7,870,000 | 7,230,000 |
| Risk-weighted assets | 24,402,000 | 19,922,000 | 20,213,000 | 24,976,000 |