Call reports 2016
WESTERN BANK, ARTESIA, NEW MEXICO — 2016
What WESTERN BANK, ARTESIA, NEW MEXICO reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 198,119,000 | 190,685,000 | 193,493,000 | 194,511,000 |
| Total loans | 85,039,000 | 83,242,000 | 83,826,000 | 80,212,000 |
| Allowance for loan losses | 1,325,000 | 1,400,000 | 1,379,000 | 1,425,000 |
| Securities available for sale | 58,091,000 | 51,527,000 | 47,048,000 | 48,710,000 |
| Securities held to maturity | 5,765,000 | 6,507,000 | 6,820,000 | 8,836,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,787,000 | 171,717,000 | 174,310,000 | 176,504,000 |
| Interest-bearing deposits | 94,391,000 | 91,466,000 | 91,728,000 | 92,989,000 |
| Noninterest-bearing deposits | 85,396,000 | 80,251,000 | 82,582,000 | 83,515,000 |
| Equity capital | 18,245,000 | 18,907,000 | 19,064,000 | 17,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,524,000 | 3,160,000 | 4,747,000 | 6,321,000 |
| Interest expense | 58,000 | 114,000 | 174,000 | 234,000 |
| Net interest income | 1,466,000 | 3,046,000 | 4,573,000 | 6,087,000 |
| Noninterest income | 190,000 | 365,000 | 553,000 | 750,000 |
| Noninterest expense | 755,000 | 1,543,000 | 2,316,000 | 3,107,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 912,000 | 1,833,000 | 2,700,000 | 3,545,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 912,000 | 1,833,000 | 2,700,000 | 3,545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,985,000 | 18,282,000 | 18,523,000 | 18,367,000 |
| Total capital | 19,310,000 | 19,674,000 | 19,902,000 | 19,767,000 |
| Risk-weighted assets | 114,112,000 | 111,352,000 | 111,948,000 | 111,994,000 |