Call reports 2013
WESTERN BANK — 2013
What WESTERN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 151,031,000 | 149,695,000 | 148,007,000 | 154,972,000 |
| Total loans | 69,413,000 | 71,811,000 | 72,309,000 | 69,117,000 |
| Allowance for loan losses | 2,326,000 | 2,351,000 | 2,573,000 | 2,113,000 |
| Securities available for sale | 55,901,000 | 52,374,000 | 53,458,000 | 59,822,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,775,000 | 128,680,000 | 126,594,000 | 133,769,000 |
| Interest-bearing deposits | 89,092,000 | 91,982,000 | 88,530,000 | 93,098,000 |
| Noninterest-bearing deposits | 38,683,000 | 36,698,000 | 38,064,000 | 40,672,000 |
| Equity capital | 18,359,000 | 17,855,000 | 18,308,000 | 18,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,459,000 | 2,948,000 | 4,444,000 | 5,884,000 |
| Interest expense | 102,000 | 186,000 | 253,000 | 316,000 |
| Net interest income | 1,357,000 | 2,762,000 | 4,191,000 | 5,568,000 |
| Noninterest income | 391,000 | 765,000 | 1,171,000 | 1,543,000 |
| Noninterest expense | 1,281,000 | 2,537,000 | 3,780,000 | 4,985,000 |
| Provision for loan losses | 275,000 | 375,000 | 600,000 | 825,000 |
| Pretax income | 192,000 | 615,000 | 982,000 | 1,238,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 192,000 | 615,000 | 982,000 | 1,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,516,000 | 17,939,000 | 18,305,000 | 18,561,000 |
| Total capital | 18,584,000 | 18,974,000 | 19,280,000 | 19,539,000 |
| Risk-weighted assets | 84,212,000 | 81,480,000 | 76,384,000 | 77,097,000 |