Call reports 2014
WESTERN BANK — 2014
What WESTERN BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 157,609,000 | 157,022,000 | 154,934,000 | 164,249,000 |
| Total loans | 68,666,000 | 69,981,000 | 69,760,000 | 66,152,000 |
| Allowance for loan losses | 2,388,000 | 2,696,000 | 2,263,000 | 2,571,000 |
| Securities available for sale | 63,016,000 | 61,175,000 | 63,513,000 | 64,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,774,000 | 134,402,000 | 131,944,000 | 141,339,000 |
| Interest-bearing deposits | 93,448,000 | 93,002,000 | 90,347,000 | 92,769,000 |
| Noninterest-bearing deposits | 42,326,000 | 41,401,000 | 41,597,000 | 48,569,000 |
| Equity capital | 18,846,000 | 19,588,000 | 19,854,000 | 19,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,487,000 | 3,039,000 | 4,554,000 | 6,044,000 |
| Interest expense | 60,000 | 116,000 | 168,000 | 217,000 |
| Net interest income | 1,427,000 | 2,923,000 | 4,386,000 | 5,827,000 |
| Noninterest income | 396,000 | 779,000 | 1,174,000 | 1,537,000 |
| Noninterest expense | 1,229,000 | 2,488,000 | 3,757,000 | 4,912,000 |
| Provision for loan losses | 275,000 | 625,000 | 925,000 | 1,225,000 |
| Pretax income | 319,000 | 655,000 | 945,000 | 1,300,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 319,000 | 655,000 | 945,000 | 1,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,551,000 | 18,737,000 | 18,927,000 | 19,006,000 |
| Total capital | 19,543,000 | 19,699,000 | 19,896,000 | 19,957,000 |
| Risk-weighted assets | 77,944,000 | 75,260,000 | 76,260,000 | 74,437,000 |