Call reports 2004
WESTERN BANK — 2004
What WESTERN 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 | 70,860,000 | 74,238,000 | 75,151,000 | 79,843,000 |
| Total loans | 37,907,000 | 39,826,000 | 42,539,000 | 44,498,000 |
| Allowance for loan losses | 667,000 | 666,000 | 685,000 | 755,000 |
| Securities available for sale | 18,450,000 | 18,376,000 | 20,080,000 | 18,949,000 |
| Securities held to maturity | 3,403,000 | 4,206,000 | 5,411,000 | 6,804,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,745,000 | 65,307,000 | 66,699,000 | 69,349,000 |
| Interest-bearing deposits | 51,410,000 | 55,057,000 | 56,518,000 | 58,208,000 |
| Noninterest-bearing deposits | 10,335,000 | 10,250,000 | 10,181,000 | 11,141,000 |
| Equity capital | 7,511,000 | 7,334,000 | 7,825,000 | 7,910,000 |
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 | 1,000,000 | 2,003,000 | 3,108,000 | 4,297,000 |
| Interest expense | 194,000 | 407,000 | 642,000 | 895,000 |
| Net interest income | 806,000 | 1,596,000 | 2,466,000 | 3,402,000 |
| Noninterest income | 130,000 | 287,000 | 466,000 | 671,000 |
| Noninterest expense | 653,000 | 1,315,000 | 1,987,000 | 2,695,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 95,000 |
| Pretax income | 282,000 | 567,000 | 924,000 | 1,282,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 282,000 | 567,000 | 924,000 | 1,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,034,000 | 7,199,000 | 7,417,000 | 7,629,000 |
| Total capital | 7,627,000 | 7,775,000 | 8,024,000 | 8,253,000 |
| Risk-weighted assets | 46,830,000 | 48,592,000 | 50,147,000 | 53,031,000 |