Call reports 2003
WESTERN BANK — 2003
What WESTERN 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 | 55,029,000 | 57,244,000 | 61,841,000 | 66,126,000 |
| Total loans | 30,831,000 | 32,759,000 | 36,414,000 | 37,981,000 |
| Allowance for loan losses | 661,000 | 660,000 | 656,000 | 668,000 |
| Securities available for sale | 14,860,000 | 14,970,000 | 12,867,000 | 15,964,000 |
| Securities held to maturity | 990,000 | 1,500,000 | 3,425,000 | 3,413,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,559,000 | 48,352,000 | 51,934,000 | 58,094,000 |
| Interest-bearing deposits | 38,560,000 | 40,356,000 | 43,889,000 | 47,849,000 |
| Noninterest-bearing deposits | 6,999,000 | 7,996,000 | 8,045,000 | 10,245,000 |
| Equity capital | 6,832,000 | 7,282,000 | 7,267,000 | 7,485,000 |
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 | 868,000 | 1,757,000 | 2,713,000 | 3,618,000 |
| Interest expense | 193,000 | 360,000 | 541,000 | 724,000 |
| Net interest income | 675,000 | 1,397,000 | 2,172,000 | 2,894,000 |
| Noninterest income | 106,000 | 217,000 | 332,000 | 500,000 |
| Noninterest expense | 537,000 | 1,121,000 | 1,727,000 | 2,364,000 |
| Provision for loan losses | 0 | 0 | 0 | 18,000 |
| Pretax income | 244,000 | 523,000 | 807,000 | 1,040,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 244,000 | 523,000 | 807,000 | 1,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,406,000 | 6,685,000 | 6,919,000 | 7,102,000 |
| Total capital | 6,874,000 | 7,173,000 | 7,446,000 | 7,665,000 |
| Risk-weighted assets | 38,246,000 | 39,764,000 | 44,530,000 | 44,950,000 |