Call reports 2004
WESTERN NEBRASKA BANK — 2004
What WESTERN NEBRASKA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 22,042,000 | 21,599,000 | 23,530,000 | 21,879,000 |
| Total loans | 13,840,000 | 14,581,000 | 14,962,000 | 15,224,000 |
| Allowance for loan losses | 192,000 | 199,000 | 200,000 | 184,000 |
| Securities available for sale | 6,534,000 | 5,657,000 | 5,873,000 | 5,500,000 |
| Securities held to maturity | 130,000 | 130,000 | 130,000 | 130,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,315,000 | 19,045,000 | 20,824,000 | 19,289,000 |
| Interest-bearing deposits | 16,860,000 | 16,506,000 | 17,755,000 | 16,500,000 |
| Noninterest-bearing deposits | 2,455,000 | 2,539,000 | 3,069,000 | 2,789,000 |
| Equity capital | 2,597,000 | 2,507,000 | 2,633,000 | 2,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 320,000 | 648,000 | 983,000 | 1,316,000 |
| Interest expense | 85,000 | 171,000 | 265,000 | 352,000 |
| Net interest income | 235,000 | 477,000 | 718,000 | 964,000 |
| Noninterest income | 26,000 | 49,000 | 77,000 | 98,000 |
| Noninterest expense | 177,000 | 324,000 | 470,000 | 676,000 |
| Provision for loan losses | 10,000 | 20,000 | 40,000 | 40,000 |
| Pretax income | 76,000 | 198,000 | 302,000 | 369,000 |
| Income tax | 3,000 | 19,000 | 30,000 | 24,000 |
| Net income | 73,000 | 179,000 | 272,000 | 345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,517,000 | 2,613,000 | 2,707,000 | 2,550,000 |
| Total capital | 2,706,000 | 2,806,000 | 2,907,000 | 2,734,000 |
| Risk-weighted assets | 15,265,000 | 15,743,000 | 16,454,000 | 16,227,000 |