Call reports 2005
WESTERN NATIONAL BANK — 2005
What WESTERN NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 45,587,000 | 35,590,000 | 33,081,000 | 33,583,000 |
| Total loans | 34,916,000 | 23,418,000 | 22,248,000 | 27,558,000 |
| Allowance for loan losses | 971,000 | 793,000 | 793,000 | 543,000 |
| Securities available for sale | 4,453,000 | 4,375,000 | 3,977,000 | 1,299,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,387,000 | 24,947,000 | 24,101,000 | 26,776,000 |
| Interest-bearing deposits | 24,254,000 | 19,728,000 | 18,860,000 | 21,761,000 |
| Noninterest-bearing deposits | 7,133,000 | 5,219,000 | 5,241,000 | 5,015,000 |
| Equity capital | 6,584,000 | 5,977,000 | 5,868,000 | 5,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 608,000 | 1,116,000 | 1,556,000 | 2,048,000 |
| Interest expense | 210,000 | 388,000 | 568,000 | 773,000 |
| Net interest income | 398,000 | 728,000 | 988,000 | 1,275,000 |
| Noninterest income | 2,198,000 | 3,019,000 | 3,072,000 | 3,027,000 |
| Noninterest expense | 2,139,000 | 3,081,000 | 3,572,000 | 4,015,000 |
| Provision for loan losses | 0 | 0 | 0 | -250,000 |
| Pretax income | 437,000 | 646,000 | 468,000 | 447,000 |
| Income tax | 439,000 | 675,000 | 602,000 | 714,000 |
| Net income | -2,000 | -29,000 | -134,000 | -267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,889,000 | 5,715,000 | 5,610,000 | 5,477,000 |
| Total capital | 6,377,000 | 6,076,000 | 5,944,000 | 5,857,000 |
| Risk-weighted assets | 38,560,000 | 28,372,000 | 26,285,000 | 30,260,000 |