Call reports 2009
WESTERN NEBRASKA BANK — 2009
What WESTERN NEBRASKA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 26,256,000 | 26,810,000 | 26,473,000 | 26,585,000 |
| Total loans | 17,285,000 | 16,628,000 | 16,590,000 | 16,191,000 |
| Allowance for loan losses | 132,000 | 144,000 | 153,000 | 343,000 |
| Securities available for sale | 6,008,000 | 6,358,000 | 6,519,000 | 6,386,000 |
| Securities held to maturity | 145,000 | 145,000 | 135,000 | 135,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,901,000 | 21,646,000 | 21,177,000 | 21,004,000 |
| Interest-bearing deposits | 19,399,000 | 18,992,000 | 18,617,000 | 15,164,000 |
| Noninterest-bearing deposits | 2,502,000 | 2,654,000 | 2,560,000 | 5,840,000 |
| Equity capital | 2,640,000 | 2,813,000 | 2,726,000 | 2,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 343,000 | 681,000 | 1,025,000 | 1,332,000 |
| Interest expense | 118,000 | 220,000 | 312,000 | 398,000 |
| Net interest income | 225,000 | 461,000 | 713,000 | 934,000 |
| Noninterest income | 47,000 | 83,000 | 120,000 | 161,000 |
| Noninterest expense | 175,000 | 342,000 | 531,000 | 719,000 |
| Provision for loan losses | 14,000 | 19,000 | 278,000 | 459,000 |
| Pretax income | 100,000 | 207,000 | -22,000 | -133,000 |
| Income tax | 19,000 | 31,000 | 8,000 | -130,000 |
| Net income | 81,000 | 176,000 | -30,000 | -3,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,902,000 | 2,997,000 | 2,791,000 | 2,808,000 |
| Total capital | 3,034,000 | 3,141,000 | 2,944,000 | 3,033,000 |
| Risk-weighted assets | 18,931,000 | 19,107,000 | 18,371,000 | 17,859,000 |