Call reports 2005
WESTERN NEBRASKA BANK — 2005
What WESTERN NEBRASKA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 21,707,000 | 22,616,000 | 23,430,000 | 22,175,000 |
| Total loans | 14,699,000 | 15,710,000 | 16,783,000 | 16,907,000 |
| Allowance for loan losses | 190,000 | 176,000 | 180,000 | 181,000 |
| Securities available for sale | 4,883,000 | 4,455,000 | 4,647,000 | 4,138,000 |
| Securities held to maturity | 120,000 | 120,000 | 120,000 | 120,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,097,000 | 19,903,000 | 20,664,000 | 19,621,000 |
| Interest-bearing deposits | 16,573,000 | 17,167,000 | 17,492,000 | 16,529,000 |
| Noninterest-bearing deposits | 2,524,000 | 2,736,000 | 3,172,000 | 3,092,000 |
| Equity capital | 2,557,000 | 2,661,000 | 2,731,000 | 2,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 325,000 | 667,000 | 1,036,000 | 1,414,000 |
| Interest expense | 88,000 | 184,000 | 287,000 | 401,000 |
| Net interest income | 237,000 | 483,000 | 749,000 | 1,013,000 |
| Noninterest income | 19,000 | 40,000 | 53,000 | 80,000 |
| Noninterest expense | 166,000 | 313,000 | 483,000 | 701,000 |
| Provision for loan losses | 10,000 | 20,000 | 24,000 | 24,000 |
| Pretax income | 82,000 | 181,000 | 286,000 | 358,000 |
| Income tax | 2,000 | 5,000 | 8,000 | 9,000 |
| Net income | 80,000 | 176,000 | 278,000 | 349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,630,000 | 2,715,000 | 2,808,000 | 2,640,000 |
| Total capital | 2,820,000 | 2,891,000 | 2,988,000 | 2,821,000 |
| Risk-weighted assets | 16,073,000 | 17,154,000 | 18,448,000 | 18,089,000 |