Call reports 2008
WEST SIDE BANK AND TRUST — 2008
What WEST SIDE BANK AND TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 37,627,000 | 38,212,000 | 45,703,000 | 43,531,000 |
| Total loans | 28,797,000 | 27,721,000 | 32,059,000 | 34,960,000 |
| Allowance for loan losses | 841,000 | 485,000 | 468,000 | 449,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,996,000 | 28,471,000 | 32,003,000 | 32,665,000 |
| Interest-bearing deposits | 27,409,000 | 25,242,000 | 28,634,000 | 28,535,000 |
| Noninterest-bearing deposits | 4,587,000 | 3,229,000 | 3,369,000 | 4,130,000 |
| Equity capital | 5,499,000 | 6,590,000 | 7,548,000 | 7,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 616,000 | 398,000 | 935,000 | 1,520,000 |
| Interest expense | 375,000 | 129,000 | 338,000 | 573,000 |
| Net interest income | 241,000 | 269,000 | 597,000 | 947,000 |
| Noninterest income | 83,000 | 50,000 | 97,000 | 405,000 |
| Noninterest expense | 538,000 | 410,000 | 826,000 | 1,322,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -214,000 | -91,000 | -132,000 | 30,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -214,000 | -91,000 | -132,000 | 30,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,499,000 | 3,298,000 | 4,265,000 | 4,454,000 |
| Total capital | 5,866,000 | 3,676,000 | 4,703,000 | 4,903,000 |
| Risk-weighted assets | 30,014,000 | 30,171,000 | 35,024,000 | 36,702,000 |