Call reports 2003
WESTERN BANK & TRUST, NATIONAL ASSOCIATION — 2003
What WESTERN BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Total assets | 38,840,000 | 41,292,000 | 43,974,000 |
| Total loans | 32,377,000 | 35,656,000 | 38,571,000 |
| Allowance for loan losses | 364,000 | 375,000 | 389,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 1,952,000 | 1,931,000 | 1,510,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 32,046,000 | 30,653,000 | 32,030,000 |
| Interest-bearing deposits | 28,799,000 | 27,880,000 | 29,198,000 |
| Noninterest-bearing deposits | 3,248,000 | 2,773,000 | 2,832,000 |
| Equity capital | 3,662,000 | 3,710,000 | 3,788,000 |
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 |
|---|---|---|---|
| Interest income | 541,000 | 1,088,000 | 1,684,000 |
| Interest expense | 265,000 | 524,000 | 783,000 |
| Net interest income | 276,000 | 564,000 | 901,000 |
| Noninterest income | 81,000 | 180,000 | 265,000 |
| Noninterest expense | 262,000 | 525,000 | 777,000 |
| Provision for loan losses | 16,000 | 27,000 | 38,000 |
| Pretax income | 79,000 | 192,000 | 351,000 |
| Income tax | 28,000 | 68,000 | 127,000 |
| Net income | 51,000 | 124,000 | 224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Tier 1 capital | 3,323,000 | 3,352,000 | 3,453,000 |
| Total capital | 3,687,000 | 3,727,000 | 3,842,000 |
| Risk-weighted assets | 31,606,000 | 34,568,000 | 36,176,000 |