Call reports 2002
WESTERN BANK & TRUST COMPANY — 2002
What WESTERN BANK & TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 154,422,000 | 152,989,000 | 157,909,000 | 154,266,000 |
| Total loans | 98,630,000 | 100,076,000 | 102,360,000 | 104,735,000 |
| Allowance for loan losses | 1,223,000 | 1,249,000 | 1,314,000 | 1,148,000 |
| Securities available for sale | 968,000 | 988,000 | 1,001,000 | 994,000 |
| Securities held to maturity | 28,147,000 | 30,372,000 | 29,167,000 | 24,518,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,751,000 | 137,090,000 | 141,574,000 | 138,029,000 |
| Interest-bearing deposits | 84,912,000 | 82,200,000 | 83,817,000 | 83,482,000 |
| Noninterest-bearing deposits | 53,839,000 | 54,890,000 | 57,757,000 | 54,547,000 |
| Equity capital | 14,659,000 | 15,100,000 | 15,531,000 | 15,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,319,000 | 4,607,000 | 6,864,000 | 9,038,000 |
| Interest expense | 369,000 | 674,000 | 959,000 | 1,210,000 |
| Net interest income | 1,950,000 | 3,933,000 | 5,905,000 | 7,828,000 |
| Noninterest income | 469,000 | 973,000 | 1,526,000 | 2,015,000 |
| Noninterest expense | 1,577,000 | 3,179,000 | 4,803,000 | 6,436,000 |
| Provision for loan losses | 51,000 | 102,000 | 180,000 | 255,000 |
| Pretax income | 791,000 | 1,625,000 | 2,448,000 | 3,152,000 |
| Income tax | 269,000 | 552,000 | 831,000 | 1,071,000 |
| Net income | 522,000 | 1,073,000 | 1,617,000 | 2,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,624,000 | 15,067,000 | 15,493,000 | 15,714,000 |
| Total capital | 15,847,000 | 16,316,000 | 16,814,000 | 16,862,000 |
| Risk-weighted assets | 108,405,000 | 108,929,000 | 113,475,000 | 114,324,000 |