Call reports 2004
WESTERN NATIONAL BANK — 2004
What WESTERN NATIONAL BANK 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 | 93,498,000 | 86,801,000 | 77,139,000 | 81,765,000 |
| Total loans | 59,534,000 | 49,852,000 | 45,242,000 | 44,264,000 |
| Allowance for loan losses | 999,000 | 989,000 | 968,000 | 970,000 |
| Securities available for sale | 21,032,000 | 21,842,000 | 20,804,000 | 20,017,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,638,000 | 68,978,000 | 60,888,000 | 62,409,000 |
| Interest-bearing deposits | 66,659,000 | 61,031,000 | 53,207,000 | 55,696,000 |
| Noninterest-bearing deposits | 7,979,000 | 7,947,000 | 7,681,000 | 6,713,000 |
| Equity capital | 9,558,000 | 9,196,000 | 9,179,000 | 8,704,000 |
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 | 1,066,000 | 2,056,000 | 2,938,000 | 3,777,000 |
| Interest expense | 370,000 | 712,000 | 1,019,000 | 1,314,000 |
| Net interest income | 696,000 | 1,344,000 | 1,919,000 | 2,463,000 |
| Noninterest income | 146,000 | 274,000 | 383,000 | 536,000 |
| Noninterest expense | 878,000 | 1,685,000 | 2,541,000 | 3,427,000 |
| Provision for loan losses | 335,000 | 335,000 | 335,000 | 335,000 |
| Pretax income | -350,000 | -380,000 | -552,000 | -819,000 |
| Income tax | -134,000 | -149,000 | -205,000 | 0 |
| Net income | -216,000 | -231,000 | -347,000 | -819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,033,000 | 7,018,000 | 6,802,000 | 6,350,000 |
| Total capital | 7,888,000 | 7,759,000 | 7,480,000 | 7,023,000 |
| Risk-weighted assets | 68,160,000 | 59,028,000 | 53,933,000 | 53,552,000 |