Call reports 2007
WEST SIDE BANK AND TRUST — 2007
What WEST SIDE BANK AND TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 39,262,000 | 38,087,000 | 36,285,000 | 36,651,000 |
| Total loans | 28,197,000 | 31,607,000 | 29,424,000 | 28,380,000 |
| Allowance for loan losses | 763,000 | 797,000 | 776,000 | 791,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,369,000 | 31,474,000 | 29,906,000 | 30,837,000 |
| Interest-bearing deposits | 29,195,000 | 28,228,000 | 26,425,000 | 27,833,000 |
| Noninterest-bearing deposits | 3,174,000 | 3,246,000 | 3,481,000 | 3,004,000 |
| Equity capital | 6,743,000 | 6,451,000 | 6,255,000 | 5,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 634,000 | 1,384,000 | 2,127,000 | 2,790,000 |
| Interest expense | 297,000 | 658,000 | 1,014,000 | 1,339,000 |
| Net interest income | 337,000 | 726,000 | 1,113,000 | 1,451,000 |
| Noninterest income | 32,000 | 65,000 | 107,000 | 157,000 |
| Noninterest expense | 538,000 | 1,253,000 | 1,878,000 | 2,460,000 |
| Provision for loan losses | 0 | 0 | 0 | 210,000 |
| Pretax income | -169,000 | -462,000 | -658,000 | -1,062,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -169,000 | -462,000 | -658,000 | -1,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,743,000 | 6,451,000 | 6,255,000 | 5,715,000 |
| Total capital | 7,126,000 | 6,842,000 | 6,635,000 | 6,088,000 |
| Risk-weighted assets | 30,976,000 | 32,856,000 | 30,013,000 | 29,468,000 |