Call reports 2009
WEST SIDE BANK AND TRUST — 2009
What WEST SIDE BANK AND TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 50,896,000 | 49,872,000 | 49,933,000 | 49,549,000 |
| Total loans | 38,116,000 | 39,340,000 | 40,266,000 | 40,296,000 |
| Allowance for loan losses | 478,000 | 507,000 | 789,000 | 695,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,584,000 | 41,745,000 | 42,114,000 | 40,971,000 |
| Interest-bearing deposits | 32,372,000 | 36,865,000 | 37,583,000 | 36,319,000 |
| Noninterest-bearing deposits | 4,212,000 | 4,879,000 | 4,531,000 | 4,652,000 |
| Equity capital | 7,689,000 | 7,952,000 | 7,610,000 | 8,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 580,000 | 1,245,000 | 1,849,000 | 2,450,000 |
| Interest expense | 222,000 | 449,000 | 673,000 | 902,000 |
| Net interest income | 358,000 | 796,000 | 1,176,000 | 1,548,000 |
| Noninterest income | 35,000 | 89,000 | 132,000 | 182,000 |
| Noninterest expense | 433,000 | 872,000 | 1,246,000 | 1,650,000 |
| Provision for loan losses | 0 | 40,000 | 431,000 | 636,000 |
| Pretax income | -40,000 | -27,000 | -369,000 | -556,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -40,000 | -27,000 | -369,000 | -556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,423,000 | 4,694,000 | 4,545,000 | 5,442,000 |
| Total capital | 4,873,000 | 5,137,000 | 4,968,000 | 5,932,000 |
| Risk-weighted assets | 39,905,000 | 39,615,000 | 38,775,000 | 38,991,000 |