Call reports 2001
WESTERN BANK & TRUST, NATIONAL ASSOCIATION — 2001
What WESTERN BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 36,359,000 | 36,434,000 | 37,800,000 | 37,966,000 |
| Total loans | 30,848,000 | 31,635,000 | 32,826,000 | 31,566,000 |
| Allowance for loan losses | 276,000 | 297,000 | 298,000 | 294,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,425,000 | 1,724,000 | 1,729,000 | 1,729,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,188,000 | 28,674,000 | 28,075,000 | 28,884,000 |
| Interest-bearing deposits | 26,807,000 | 26,863,000 | 25,733,000 | 26,117,000 |
| Noninterest-bearing deposits | 2,381,000 | 1,811,000 | 2,342,000 | 2,767,000 |
| Equity capital | 3,151,000 | 3,187,000 | 3,261,000 | 3,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 721,000 | 1,439,000 | 2,145,000 | 2,794,000 |
| Interest expense | 446,000 | 865,000 | 1,253,000 | 1,593,000 |
| Net interest income | 275,000 | 574,000 | 892,000 | 1,201,000 |
| Noninterest income | 67,000 | 126,000 | 203,000 | 307,000 |
| Noninterest expense | 232,000 | 472,000 | 711,000 | 963,000 |
| Provision for loan losses | 9,000 | 28,000 | 47,000 | 57,000 |
| Pretax income | 101,000 | 200,000 | 337,000 | 488,000 |
| Income tax | 42,000 | 80,000 | 134,000 | 192,000 |
| Net income | 59,000 | 120,000 | 203,000 | 296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,748,000 | 2,793,000 | 2,877,000 | 2,954,000 |
| Total capital | 3,024,000 | 3,090,000 | 3,174,000 | 3,248,000 |
| Risk-weighted assets | 28,884,000 | 29,431,000 | 30,456,000 | 29,906,000 |