Call reports 2015
WESTERN BANK — 2015
What WESTERN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 164,593,000 | 162,214,000 | 160,841,000 | 167,502,000 |
| Total loans | 63,198,000 | 66,853,000 | 70,106,000 | 68,403,000 |
| Allowance for loan losses | 2,651,000 | 2,717,000 | 2,726,000 | 2,654,000 |
| Securities available for sale | 75,341,000 | 74,382,000 | 69,140,000 | 77,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,777,000 | 141,233,000 | 139,057,000 | 145,601,000 |
| Interest-bearing deposits | 95,203,000 | 93,652,000 | 93,523,000 | 98,089,000 |
| Noninterest-bearing deposits | 45,574,000 | 47,581,000 | 45,535,000 | 47,512,000 |
| Equity capital | 20,215,000 | 19,732,000 | 20,511,000 | 20,796,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,416,000 | 2,847,000 | 4,273,000 | 5,751,000 |
| Interest expense | 50,000 | 95,000 | 124,000 | 152,000 |
| Net interest income | 1,366,000 | 2,752,000 | 4,149,000 | 5,599,000 |
| Noninterest income | 357,000 | 701,000 | 1,066,000 | 1,644,000 |
| Noninterest expense | 1,267,000 | 2,507,000 | 3,719,000 | 5,027,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 375,000 |
| Pretax income | 439,000 | 853,000 | 1,330,000 | 1,900,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 439,000 | 853,000 | 1,330,000 | 1,900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,015,000 | 19,279,000 | 19,456,000 | 19,626,000 |
| Total capital | 19,990,000 | 20,266,000 | 20,451,000 | 20,656,000 |
| Risk-weighted assets | 76,363,000 | 77,231,000 | 77,879,000 | 80,743,000 |