Call reports 2003
WESTERN NEBRASKA BANK — 2003
What WESTERN NEBRASKA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 20,985,000 | 21,450,000 | 21,528,000 | 21,405,000 |
| Total loans | 12,146,000 | 13,050,000 | 13,565,000 | 13,405,000 |
| Allowance for loan losses | 194,000 | 174,000 | 183,000 | 176,000 |
| Securities available for sale | 6,364,000 | 5,757,000 | 6,453,000 | 6,477,000 |
| Securities held to maturity | 150,000 | 140,000 | 140,000 | 140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,361,000 | 18,685,000 | 18,775,000 | 18,545,000 |
| Interest-bearing deposits | 16,015,000 | 16,431,000 | 16,061,000 | 15,817,000 |
| Noninterest-bearing deposits | 2,346,000 | 2,254,000 | 2,714,000 | 2,728,000 |
| Equity capital | 2,506,000 | 2,616,000 | 2,627,000 | 2,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 326,000 | 656,000 | 993,000 | 1,321,000 |
| Interest expense | 101,000 | 203,000 | 298,000 | 386,000 |
| Net interest income | 225,000 | 453,000 | 695,000 | 935,000 |
| Noninterest income | 30,000 | 50,000 | 72,000 | 92,000 |
| Noninterest expense | 183,000 | 354,000 | 518,000 | 709,000 |
| Provision for loan losses | 15,000 | 19,000 | 28,000 | 52,000 |
| Pretax income | 103,000 | 213,000 | 306,000 | 351,000 |
| Income tax | 15,000 | 32,000 | 44,000 | 33,000 |
| Net income | 88,000 | 181,000 | 262,000 | 318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,460,000 | 2,551,000 | 2,615,000 | 2,456,000 |
| Total capital | 2,645,000 | 2,725,000 | 2,798,000 | 2,631,000 |
| Risk-weighted assets | 14,727,000 | 15,198,000 | 14,734,000 | 14,605,000 |
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