Call reports 2015
WESTERN BANK, ARTESIA, NEW MEXICO — 2015
What WESTERN BANK, ARTESIA, NEW MEXICO 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 | 182,775,000 | 188,141,000 | 197,268,000 | 194,967,000 |
| Total loans | 76,838,000 | 73,889,000 | 79,224,000 | 84,819,000 |
| Allowance for loan losses | 1,009,000 | 1,080,000 | 1,145,000 | 1,252,000 |
| Securities available for sale | 61,651,000 | 59,063,000 | 62,535,000 | 56,189,000 |
| Securities held to maturity | 6,437,000 | 6,429,000 | 5,782,000 | 5,773,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,078,000 | 170,979,000 | 179,402,000 | 177,303,000 |
| Interest-bearing deposits | 91,726,000 | 87,234,000 | 89,613,000 | 92,666,000 |
| Noninterest-bearing deposits | 73,352,000 | 83,745,000 | 89,789,000 | 84,637,000 |
| Equity capital | 17,615,000 | 17,092,000 | 17,728,000 | 17,597,000 |
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 | 1,613,000 | 3,183,000 | 4,765,000 | 6,431,000 |
| Interest expense | 70,000 | 140,000 | 200,000 | 260,000 |
| Net interest income | 1,543,000 | 3,043,000 | 4,565,000 | 6,171,000 |
| Noninterest income | 169,000 | 337,000 | 527,000 | 720,000 |
| Noninterest expense | 752,000 | 1,526,000 | 2,300,000 | 3,052,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 885,000 | 1,704,000 | 2,567,000 | 3,539,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 885,000 | 1,704,000 | 2,567,000 | 3,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,069,000 | 17,188,000 | 17,351,000 | 17,698,000 |
| Total capital | 18,078,000 | 18,268,000 | 18,496,000 | 18,950,000 |
| Risk-weighted assets | 102,755,000 | 97,418,000 | 109,343,000 | 112,357,000 |