Call reports 2003
WESTERN NATIONAL BANK — 2003
What WESTERN NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 95,647,000 | 103,295,000 | 108,899,000 | 99,387,000 |
| Total loans | 61,452,000 | 64,418,000 | 64,081,000 | 64,088,000 |
| Allowance for loan losses | 812,000 | 834,000 | 686,000 | 807,000 |
| Securities available for sale | 23,330,000 | 24,006,000 | 23,035,000 | 25,299,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,847,000 | 84,610,000 | 91,693,000 | 79,596,000 |
| Interest-bearing deposits | 72,927,000 | 76,935,000 | 83,641,000 | 71,903,000 |
| Noninterest-bearing deposits | 6,920,000 | 7,675,000 | 8,052,000 | 7,693,000 |
| Equity capital | 10,168,000 | 10,219,000 | 10,174,000 | 10,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,085,000 | 2,220,000 | 3,334,000 | 4,459,000 |
| Interest expense | 478,000 | 937,000 | 1,366,000 | 1,766,000 |
| Net interest income | 607,000 | 1,283,000 | 1,968,000 | 2,693,000 |
| Noninterest income | 115,000 | 255,000 | 383,000 | 498,000 |
| Noninterest expense | 655,000 | 1,413,000 | 2,197,000 | 3,024,000 |
| Provision for loan losses | 260,000 | 282,000 | 282,000 | 402,000 |
| Pretax income | 10,000 | 79,000 | 113,000 | 8,000 |
| Income tax | 0 | 20,000 | 27,000 | -20,000 |
| Net income | 10,000 | 59,000 | 86,000 | 28,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,677,000 | 7,727,000 | 7,754,000 | 7,695,000 |
| Total capital | 8,489,000 | 8,561,000 | 8,440,000 | 8,502,000 |
| Risk-weighted assets | 69,118,000 | 72,069,000 | 74,779,000 | 73,123,000 |