Call reports 2002
WESTERN BANK & TRUST, NATIONAL ASSOCIATION — 2002
What WESTERN BANK & TRUST, NATIONAL ASSOCIATION 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 | 39,562,000 | 40,272,000 | 40,498,000 | 38,905,000 |
| Total loans | 33,990,000 | 34,545,000 | 34,436,000 | 32,611,000 |
| Allowance for loan losses | 313,000 | 324,000 | 338,000 | 349,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,729,000 | 1,714,000 | 1,714,000 | 1,515,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,536,000 | 30,752,000 | 30,664,000 | 31,577,000 |
| Interest-bearing deposits | 25,980,000 | 28,134,000 | 27,882,000 | 28,274,000 |
| Noninterest-bearing deposits | 2,556,000 | 2,618,000 | 2,782,000 | 3,303,000 |
| Equity capital | 3,391,000 | 3,439,000 | 3,532,000 | 3,611,000 |
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 | 629,000 | 1,287,000 | 1,948,000 | 2,581,000 |
| Interest expense | 310,000 | 630,000 | 946,000 | 1,236,000 |
| Net interest income | 319,000 | 657,000 | 1,002,000 | 1,345,000 |
| Noninterest income | 58,000 | 135,000 | 257,000 | 365,000 |
| Noninterest expense | 256,000 | 543,000 | 821,000 | 1,094,000 |
| Provision for loan losses | 19,000 | 29,000 | 40,000 | 51,000 |
| Pretax income | 102,000 | 220,000 | 398,000 | 565,000 |
| Income tax | 40,000 | 85,000 | 154,000 | 217,000 |
| Net income | 62,000 | 135,000 | 244,000 | 348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,026,000 | 3,083,000 | 3,186,000 | 3,272,000 |
| Total capital | 3,339,000 | 3,407,000 | 3,524,000 | 3,621,000 |
| Risk-weighted assets | 32,394,000 | 33,102,000 | 34,105,000 | 31,861,000 |