Call reports 2007
WESTERN BANK — 2007
What WESTERN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 102,508,000 | 107,925,000 | 106,823,000 | 110,370,000 |
| Total loans | 63,523,000 | 68,629,000 | 75,277,000 | 73,621,000 |
| Allowance for loan losses | 1,055,000 | 1,106,000 | 1,131,000 | 1,122,000 |
| Securities available for sale | 20,210,000 | 18,443,000 | 17,253,000 | 16,713,000 |
| Securities held to maturity | 9,219,000 | 9,104,000 | 8,676,000 | 8,668,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,842,000 | 94,806,000 | 92,939,000 | 95,804,000 |
| Interest-bearing deposits | 72,420,000 | 74,333,000 | 73,051,000 | 76,417,000 |
| Noninterest-bearing deposits | 18,422,000 | 20,473,000 | 19,889,000 | 19,387,000 |
| Equity capital | 9,657,000 | 9,891,000 | 10,420,000 | 11,098,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,900,000 | 3,914,000 | 6,035,000 | 8,153,000 |
| Interest expense | 570,000 | 1,184,000 | 1,840,000 | 2,489,000 |
| Net interest income | 1,330,000 | 2,730,000 | 4,195,000 | 5,664,000 |
| Noninterest income | 189,000 | 405,000 | 665,000 | 899,000 |
| Noninterest expense | 845,000 | 1,748,000 | 2,782,000 | 3,829,000 |
| Provision for loan losses | 30,000 | 75,000 | 105,000 | 125,000 |
| Pretax income | 644,000 | 1,312,000 | 1,973,000 | 2,607,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 644,000 | 1,312,000 | 1,973,000 | 2,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,566,000 | 9,955,000 | 10,335,000 | 10,969,000 |
| Total capital | 10,403,000 | 10,895,000 | 11,297,000 | 11,924,000 |
| Risk-weighted assets | 67,673,000 | 75,064,000 | 76,781,000 | 76,363,000 |