Call reports 2015
WESTERN NEBRASKA BANK — 2015
What WESTERN NEBRASKA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 73,515,000 | 77,938,000 | 82,365,000 | 95,211,000 |
| Total loans | 51,343,000 | 57,121,000 | 61,073,000 | 71,129,000 |
| Allowance for loan losses | 606,000 | 612,000 | 634,000 | 704,000 |
| Securities available for sale | 12,525,000 | 12,169,000 | 11,686,000 | 11,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,280,000 | 64,722,000 | 63,377,000 | 80,789,000 |
| Interest-bearing deposits | 52,762,000 | 52,892,000 | 52,511,000 | 66,521,000 |
| Noninterest-bearing deposits | 12,518,000 | 11,830,000 | 10,866,000 | 14,268,000 |
| Equity capital | 7,490,000 | 7,554,000 | 7,711,000 | 9,697,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 762,000 | 1,560,000 | 2,445,000 | 3,399,000 |
| Interest expense | 111,000 | 223,000 | 340,000 | 477,000 |
| Net interest income | 651,000 | 1,337,000 | 2,105,000 | 2,922,000 |
| Noninterest income | 44,000 | 100,000 | 127,000 | 178,000 |
| Noninterest expense | 521,000 | 1,089,000 | 1,637,000 | 2,406,000 |
| Provision for loan losses | 15,000 | 30,000 | 50,000 | 120,000 |
| Pretax income | 159,000 | 318,000 | 545,000 | 574,000 |
| Income tax | 38,000 | 80,000 | 159,000 | 175,000 |
| Net income | 121,000 | 238,000 | 386,000 | 399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,451,000 | 6,780,000 | 6,933,000 | 8,830,000 |
| Total capital | 7,057,000 | 7,392,000 | 7,567,000 | 9,534,000 |
| Risk-weighted assets | 58,544,000 | 64,647,000 | 69,428,000 | 80,296,000 |