Call reports 2014
WESTERN BANK, ARTESIA, NEW MEXICO — 2014
What WESTERN BANK, ARTESIA, NEW MEXICO reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 181,683,000 | 180,332,000 | 182,338,000 | 183,930,000 |
| Total loans | 69,188,000 | 73,543,000 | 76,940,000 | 77,975,000 |
| Allowance for loan losses | 995,000 | 1,015,000 | 908,000 | 938,000 |
| Securities available for sale | 64,525,000 | 66,480,000 | 61,302,000 | 64,255,000 |
| Securities held to maturity | 9,238,000 | 7,360,000 | 6,652,000 | 6,445,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,291,000 | 164,174,000 | 165,763,000 | 166,911,000 |
| Interest-bearing deposits | 90,259,000 | 86,426,000 | 84,551,000 | 90,191,000 |
| Noninterest-bearing deposits | 76,032,000 | 77,748,000 | 81,212,000 | 76,720,000 |
| Equity capital | 15,272,000 | 16,054,000 | 16,415,000 | 16,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,563,000 | 3,140,000 | 4,732,000 | 6,360,000 |
| Interest expense | 79,000 | 160,000 | 236,000 | 309,000 |
| Net interest income | 1,484,000 | 2,980,000 | 4,496,000 | 6,051,000 |
| Noninterest income | 166,000 | 342,000 | 515,000 | 686,000 |
| Noninterest expense | 714,000 | 1,432,000 | 2,152,000 | 2,894,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 906,000 | 1,830,000 | 2,769,000 | 3,723,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 906,000 | 1,830,000 | 2,769,000 | 3,723,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,316,000 | 16,615,000 | 16,929,000 | 16,884,000 |
| Total capital | 17,311,000 | 17,630,000 | 17,837,000 | 17,822,000 |
| Risk-weighted assets | 94,814,000 | 98,442,000 | 106,792,000 | 105,618,000 |