Call reports 2015
WESTERN NATIONAL BANK — 2015
What WESTERN NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 116,752,000 | 115,858,000 | 122,313,000 | 123,806,000 |
| Total loans | 70,969,000 | 70,016,000 | 71,565,000 | 71,403,000 |
| Allowance for loan losses | 668,000 | 669,000 | 569,000 | 560,000 |
| Securities available for sale | 8,733,000 | 8,098,000 | 7,617,000 | 7,101,000 |
| Securities held to maturity | 528,000 | 495,000 | 468,000 | 438,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,924,000 | 102,054,000 | 108,374,000 | 110,002,000 |
| Interest-bearing deposits | 87,066,000 | 85,733,000 | 91,170,000 | 86,974,000 |
| Noninterest-bearing deposits | 15,858,000 | 16,321,000 | 17,205,000 | 23,029,000 |
| Equity capital | 13,483,000 | 13,552,000 | 13,623,000 | 13,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,093,000 | 2,184,000 | 3,287,000 | 4,380,000 |
| Interest expense | 99,000 | 204,000 | 311,000 | 411,000 |
| Net interest income | 994,000 | 1,980,000 | 2,976,000 | 3,969,000 |
| Noninterest income | 145,000 | 287,000 | 444,000 | 522,000 |
| Noninterest expense | 872,000 | 1,720,000 | 2,570,000 | 3,386,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 267,000 | 547,000 | 850,000 | 1,055,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 267,000 | 547,000 | 850,000 | 1,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,555,000 | 10,610,000 | 10,688,000 | 10,668,000 |
| Total capital | 11,223,000 | 11,279,000 | 11,257,000 | 11,228,000 |
| Risk-weighted assets | 71,120,000 | 70,535,000 | 73,734,000 | 71,349,000 |