Call reports 2010
WEST SIDE BANK AND TRUST — 2010
What WEST SIDE BANK AND TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 48,870,000 | 48,711,000 | 51,332,000 | 49,445,000 |
| Total loans | 39,379,000 | 35,778,000 | 34,804,000 | 35,403,000 |
| Allowance for loan losses | 716,000 | 749,000 | 627,000 | 643,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,267,000 | 40,033,000 | 42,733,000 | 40,943,000 |
| Interest-bearing deposits | 36,268,000 | 36,297,000 | 38,414,000 | 36,090,000 |
| Noninterest-bearing deposits | 3,999,000 | 3,736,000 | 4,319,000 | 4,853,000 |
| Equity capital | 8,525,000 | 8,551,000 | 8,488,000 | 8,423,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 571,000 | 1,127,000 | 1,672,000 | 2,204,000 |
| Interest expense | 192,000 | 370,000 | 557,000 | 726,000 |
| Net interest income | 379,000 | 757,000 | 1,115,000 | 1,478,000 |
| Noninterest income | 39,000 | 98,000 | 152,000 | 181,000 |
| Noninterest expense | 380,000 | 755,000 | 1,224,000 | 1,672,000 |
| Provision for loan losses | 10,000 | 48,000 | 52,000 | 61,000 |
| Pretax income | 28,000 | 52,000 | -9,000 | -74,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 28,000 | 52,000 | -9,000 | -74,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,477,000 | 5,512,000 | 5,457,000 | 5,401,000 |
| Total capital | 5,953,000 | 5,959,000 | 5,894,000 | 5,844,000 |
| Risk-weighted assets | 37,919,000 | 35,467,000 | 34,793,000 | 35,225,000 |