Call reports 2008
WESTERN BANK — 2008
What WESTERN BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 116,725,000 | 112,718,000 | 107,895,000 | 113,422,000 |
| Total loans | 72,035,000 | 74,273,000 | 73,645,000 | 72,121,000 |
| Allowance for loan losses | 1,187,000 | 1,247,000 | 1,273,000 | 1,282,000 |
| Securities available for sale | 18,859,000 | 22,972,000 | 19,451,000 | 21,859,000 |
| Securities held to maturity | 8,169,000 | 8,259,000 | 8,628,000 | 10,081,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,415,000 | 94,472,000 | 89,418,000 | 94,720,000 |
| Interest-bearing deposits | 76,120,000 | 73,639,000 | 69,242,000 | 76,249,000 |
| Noninterest-bearing deposits | 27,295,000 | 20,833,000 | 20,176,000 | 18,471,000 |
| Equity capital | 11,095,000 | 11,196,000 | 11,398,000 | 11,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,987,000 | 3,905,000 | 5,780,000 | 7,629,000 |
| Interest expense | 577,000 | 1,025,000 | 1,451,000 | 1,837,000 |
| Net interest income | 1,410,000 | 2,880,000 | 4,329,000 | 5,792,000 |
| Noninterest income | 233,000 | 470,000 | 722,000 | 949,000 |
| Noninterest expense | 975,000 | 1,976,000 | 3,040,000 | 4,042,000 |
| Provision for loan losses | 60,000 | 120,000 | 160,000 | 260,000 |
| Pretax income | 612,000 | 1,258,000 | 1,847,000 | 2,435,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 612,000 | 1,258,000 | 1,847,000 | 2,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,831,000 | 11,178,000 | 11,466,000 | 11,754,000 |
| Total capital | 11,794,000 | 12,122,000 | 12,396,000 | 12,689,000 |
| Risk-weighted assets | 76,829,000 | 75,180,000 | 74,071,000 | 74,456,000 |