Call reports 2005
WESTERN BANK — 2005
What WESTERN 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 | 82,024,000 | 86,519,000 | 89,613,000 | 93,891,000 |
| Total loans | 44,659,000 | 47,541,000 | 52,452,000 | 52,438,000 |
| Allowance for loan losses | 760,000 | 784,000 | 791,000 | 900,000 |
| Securities available for sale | 21,136,000 | 20,452,000 | 20,654,000 | 21,599,000 |
| Securities held to maturity | 7,422,000 | 8,842,000 | 8,822,000 | 9,079,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,663,000 | 77,075,000 | 78,143,000 | 84,502,000 |
| Interest-bearing deposits | 60,044,000 | 62,703,000 | 63,315,000 | 66,914,000 |
| Noninterest-bearing deposits | 13,619,000 | 14,372,000 | 14,828,000 | 17,588,000 |
| Equity capital | 7,732,000 | 8,180,000 | 8,422,000 | 8,748,000 |
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 | 1,201,000 | 2,537,000 | 3,986,000 | 5,615,000 |
| Interest expense | 262,000 | 567,000 | 914,000 | 1,306,000 |
| Net interest income | 939,000 | 1,970,000 | 3,072,000 | 4,309,000 |
| Noninterest income | 157,000 | 344,000 | 513,000 | 746,000 |
| Noninterest expense | 725,000 | 1,459,000 | 2,208,000 | 3,018,000 |
| Provision for loan losses | 5,000 | 35,000 | 45,000 | 155,000 |
| Pretax income | 366,000 | 814,000 | 1,326,000 | 1,876,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 366,000 | 814,000 | 1,326,000 | 1,876,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,646,000 | 7,953,000 | 8,326,000 | 8,736,000 |
| Total capital | 8,267,000 | 8,614,000 | 9,003,000 | 9,471,000 |
| Risk-weighted assets | 48,721,000 | 51,990,000 | 58,170,000 | 58,637,000 |