Call reports 2009
WESTERN BANK — 2009
What WESTERN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 116,667,000 | 118,778,000 | 117,776,000 | 120,373,000 |
| Total loans | 67,795,000 | 71,018,000 | 73,682,000 | 74,671,000 |
| Allowance for loan losses | 1,246,000 | 1,300,000 | 1,250,000 | 1,499,000 |
| Securities available for sale | 26,427,000 | 22,669,000 | 21,330,000 | 19,632,000 |
| Securities held to maturity | 11,717,000 | 12,205,000 | 12,388,000 | 12,131,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,727,000 | 99,224,000 | 97,427,000 | 100,616,000 |
| Interest-bearing deposits | 79,223,000 | 79,470,000 | 77,841,000 | 77,497,000 |
| Noninterest-bearing deposits | 18,504,000 | 19,754,000 | 19,586,000 | 23,119,000 |
| Equity capital | 12,014,000 | 12,531,000 | 12,961,000 | 13,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,701,000 | 3,467,000 | 5,256,000 | 7,040,000 |
| Interest expense | 362,000 | 686,000 | 1,001,000 | 1,283,000 |
| Net interest income | 1,339,000 | 2,781,000 | 4,255,000 | 5,757,000 |
| Noninterest income | 205,000 | 430,000 | 666,000 | 817,000 |
| Noninterest expense | 1,087,000 | 2,176,000 | 3,300,000 | 4,283,000 |
| Provision for loan losses | 60,000 | 120,000 | 295,000 | 560,000 |
| Pretax income | 397,000 | 990,000 | 1,400,000 | 1,805,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 397,000 | 990,000 | 1,400,000 | 1,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,736,000 | 12,229,000 | 12,389,000 | 12,544,000 |
| Total capital | 12,684,000 | 13,210,000 | 13,396,000 | 13,569,000 |
| Risk-weighted assets | 75,578,000 | 78,192,000 | 80,774,000 | 81,516,000 |