Call reports 2013
WEST SIDE BANK AND TRUST — 2013
What WEST SIDE BANK AND TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Total assets | 61,954,000 | 58,548,000 | 62,954,000 |
| Total loans | 45,713,000 | 47,808,000 | 45,683,000 |
| Allowance for loan losses | 793,000 | 823,000 | 853,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 52,071,000 | 48,544,000 | 52,772,000 |
| Interest-bearing deposits | 41,254,000 | 38,255,000 | 42,154,000 |
| Noninterest-bearing deposits | 10,817,000 | 10,289,000 | 10,618,000 |
| Equity capital | 9,766,000 | 9,848,000 | 9,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Interest income | 658,000 | 1,346,000 | 2,053,000 |
| Interest expense | 86,000 | 176,000 | 266,000 |
| Net interest income | 572,000 | 1,170,000 | 1,787,000 |
| Noninterest income | 94,000 | 137,000 | 171,000 |
| Noninterest expense | 541,000 | 1,086,000 | 1,615,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 |
| Pretax income | 110,000 | 191,000 | 298,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 110,000 | 191,000 | 298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Tier 1 capital | 6,821,000 | 6,911,000 | 7,027,000 |
| Total capital | 7,379,000 | 7,482,000 | 7,607,000 |
| Risk-weighted assets | 44,399,000 | 46,537,000 | 46,046,000 |