Call reports 2002
WESTERN NATIONAL BANK — 2002
What WESTERN NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 92,040,000 | 100,869,000 | 92,749,000 | 102,922,000 |
| Total loans | 61,112,000 | 63,360,000 | 62,930,000 | 61,525,000 |
| Allowance for loan losses | 712,000 | 728,000 | 759,000 | 820,000 |
| Securities available for sale | 22,122,000 | 21,299,000 | 20,906,000 | 17,899,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,563,000 | 77,929,000 | 76,468,000 | 78,039,000 |
| Interest-bearing deposits | 68,953,000 | 71,216,000 | 69,681,000 | 71,236,000 |
| Noninterest-bearing deposits | 6,610,000 | 6,713,000 | 6,787,000 | 6,803,000 |
| Equity capital | 9,983,000 | 10,131,000 | 10,422,000 | 10,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,318,000 | 2,620,000 | 3,924,000 | 5,116,000 |
| Interest expense | 665,000 | 1,255,000 | 1,828,000 | 2,349,000 |
| Net interest income | 653,000 | 1,365,000 | 2,096,000 | 2,767,000 |
| Noninterest income | 91,000 | 198,000 | 318,000 | 419,000 |
| Noninterest expense | 589,000 | 1,203,000 | 1,821,000 | 2,411,000 |
| Provision for loan losses | 2,000 | 16,000 | 46,000 | 106,000 |
| Pretax income | 153,000 | 381,000 | 632,000 | 848,000 |
| Income tax | 48,000 | 127,000 | 213,000 | 289,000 |
| Net income | 105,000 | 254,000 | 419,000 | 559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,614,000 | 7,563,000 | 7,727,000 | 7,667,000 |
| Total capital | 8,326,000 | 8,291,000 | 8,486,000 | 8,487,000 |
| Risk-weighted assets | 68,223,000 | 71,762,000 | 69,805,000 | 70,409,000 |