Call reports 2001
WESTERN BANK & TRUST COMPANY — 2001
What WESTERN BANK & TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 149,716,000 | 150,605,000 | 152,808,000 | 163,010,000 |
| Total loans | 86,292,000 | 90,278,000 | 94,019,000 | 97,447,000 |
| Allowance for loan losses | 1,130,000 | 1,167,000 | 1,194,000 | 1,208,000 |
| Securities available for sale | 973,000 | 961,000 | 989,000 | 973,000 |
| Securities held to maturity | 39,233,000 | 35,312,000 | 34,456,000 | 29,420,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,552,000 | 136,142,000 | 137,717,000 | 147,977,000 |
| Interest-bearing deposits | 85,701,000 | 84,346,000 | 85,617,000 | 90,778,000 |
| Noninterest-bearing deposits | 49,851,000 | 51,796,000 | 52,100,000 | 57,199,000 |
| Equity capital | 13,010,000 | 13,530,000 | 14,096,000 | 14,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,760,000 | 5,527,000 | 8,235,000 | 10,732,000 |
| Interest expense | 799,000 | 1,531,000 | 2,164,000 | 2,644,000 |
| Net interest income | 1,961,000 | 3,996,000 | 6,071,000 | 8,088,000 |
| Noninterest income | 432,000 | 890,000 | 1,417,000 | 1,946,000 |
| Noninterest expense | 1,460,000 | 2,917,000 | 4,454,000 | 6,176,000 |
| Provision for loan losses | 51,000 | 101,000 | 151,000 | 204,000 |
| Pretax income | 882,000 | 1,868,000 | 2,883,000 | 3,654,000 |
| Income tax | 260,000 | 596,000 | 941,000 | 1,203,000 |
| Net income | 622,000 | 1,272,000 | 1,942,000 | 2,451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,967,000 | 13,489,000 | 14,057,000 | 14,226,000 |
| Total capital | 14,097,000 | 14,656,000 | 15,251,000 | 15,434,000 |
| Risk-weighted assets | 96,585,000 | 100,247,000 | 104,073,000 | 108,076,000 |
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