Call reports 2011
WEST SIDE BANK AND TRUST — 2011
What WEST SIDE BANK AND TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 55,048,000 | 53,438,000 | 54,890,000 | 52,463,000 |
| Total loans | 37,214,000 | 38,459,000 | 38,082,000 | 39,690,000 |
| Allowance for loan losses | 1,331,000 | 1,103,000 | 1,158,000 | 829,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,540,000 | 44,813,000 | 46,324,000 | 44,177,000 |
| Interest-bearing deposits | 39,958,000 | 38,163,000 | 38,731,000 | 37,565,000 |
| Noninterest-bearing deposits | 6,582,000 | 6,650,000 | 7,592,000 | 6,612,000 |
| Equity capital | 8,429,000 | 8,526,000 | 8,410,000 | 8,249,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 521,000 | 1,126,000 | 1,744,000 | 2,308,000 |
| Interest expense | 143,000 | 280,000 | 407,000 | 519,000 |
| Net interest income | 378,000 | 846,000 | 1,337,000 | 1,789,000 |
| Noninterest income | 35,000 | 85,000 | 236,000 | 154,000 |
| Noninterest expense | 413,000 | 828,000 | 1,571,000 | 2,088,000 |
| Provision for loan losses | 995,000 | 1,000,000 | 1,015,000 | 1,030,000 |
| Pretax income | -995,000 | -897,000 | -1,013,000 | -1,175,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -995,000 | -897,000 | -1,013,000 | -1,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,415,000 | 5,521,000 | 5,413,000 | 5,261,000 |
| Total capital | 5,874,000 | 6,059,000 | 5,928,000 | 5,759,000 |
| Risk-weighted assets | 35,884,000 | 42,461,000 | 40,588,000 | 39,527,000 |