Call reports 2004
BANK OF THE WEST, THE — 2004
What BANK OF THE WEST, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 106,073,000 | 102,617,000 | 108,643,000 | 109,057,000 |
| Total loans | 92,332,000 | 96,634,000 | 102,439,000 | 103,069,000 |
| Allowance for loan losses | 744,000 | 808,000 | 886,000 | 931,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,883,000 | 1,547,000 | 1,387,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,417,000 | 93,719,000 | 99,446,000 | 99,616,000 |
| Interest-bearing deposits | 87,417,000 | 84,289,000 | 89,272,000 | 87,080,000 |
| Noninterest-bearing deposits | 10,000,000 | 9,430,000 | 10,174,000 | 12,536,000 |
| Equity capital | 8,387,000 | 8,597,000 | 8,923,000 | 9,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,585,000 | 3,232,000 | 4,909,000 | 6,671,000 |
| Interest expense | 341,000 | 706,000 | 1,071,000 | 1,501,000 |
| Net interest income | 1,244,000 | 2,526,000 | 3,838,000 | 5,170,000 |
| Noninterest income | 76,000 | 152,000 | 236,000 | 313,000 |
| Noninterest expense | 645,000 | 1,306,000 | 1,903,000 | 2,672,000 |
| Provision for loan losses | 46,000 | 133,000 | 211,000 | 256,000 |
| Pretax income | 629,000 | 1,239,000 | 1,960,000 | 2,562,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 629,000 | 1,239,000 | 1,960,000 | 2,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,387,000 | 8,597,000 | 8,923,000 | 9,090,000 |
| Total capital | 9,131,000 | 9,405,000 | 9,809,000 | 10,021,000 |
| Risk-weighted assets | 88,956,000 | 89,090,000 | 95,581,000 | 95,378,000 |