Call reports 2016
WESTERN BANK — 2016
What WESTERN BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 168,881,000 | 169,293,000 | 168,138,000 | 167,455,000 |
| Total loans | 68,188,000 | 69,237,000 | 68,888,000 | 70,795,000 |
| Allowance for loan losses | 2,729,000 | 2,784,000 | 2,822,000 | 2,772,000 |
| Securities available for sale | 78,653,000 | 76,523,000 | 79,065,000 | 72,733,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,390,000 | 145,401,000 | 140,394,000 | 145,349,000 |
| Interest-bearing deposits | 96,850,000 | 94,606,000 | 92,917,000 | 96,333,000 |
| Noninterest-bearing deposits | 49,540,000 | 50,795,000 | 47,478,000 | 49,016,000 |
| Equity capital | 21,166,000 | 22,477,000 | 22,356,000 | 20,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,471,000 | 2,978,000 | 4,474,000 | 5,989,000 |
| Interest expense | 31,000 | 62,000 | 89,000 | 122,000 |
| Net interest income | 1,440,000 | 2,916,000 | 4,385,000 | 5,867,000 |
| Noninterest income | 363,000 | 728,000 | 1,086,000 | 1,436,000 |
| Noninterest expense | 1,191,000 | 2,426,000 | 3,588,000 | 4,766,000 |
| Provision for loan losses | 60,000 | 120,000 | 160,000 | 190,000 |
| Pretax income | 558,000 | 1,114,000 | 1,739,000 | 2,375,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 558,000 | 1,114,000 | 1,739,000 | 2,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,684,000 | 20,090,000 | 20,514,000 | 20,949,000 |
| Total capital | 20,734,000 | 21,101,000 | 21,516,000 | 21,968,000 |
| Risk-weighted assets | 82,297,000 | 79,071,000 | 78,321,000 | 79,802,000 |