Call reports 2002
WESTERN BANK — 2002
What WESTERN BANK 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 | 24,804,000 | 24,398,000 | 24,083,000 | 25,754,000 |
| Total loans | 15,312,000 | 16,007,000 | 16,850,000 | 16,539,000 |
| Allowance for loan losses | 213,000 | 323,000 | 331,000 | 389,000 |
| Securities available for sale | 6,886,000 | 6,677,000 | 5,717,000 | 6,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,056,000 | 17,933,000 | 18,116,000 | 20,224,000 |
| Interest-bearing deposits | 16,323,000 | 14,394,000 | 14,887,000 | 16,580,000 |
| Noninterest-bearing deposits | 3,733,000 | 3,540,000 | 3,229,000 | 3,644,000 |
| Equity capital | 2,355,000 | 2,460,000 | 2,566,000 | 2,554,000 |
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 | 425,000 | 894,000 | 1,361,000 | 1,827,000 |
| Interest expense | 113,000 | 220,000 | 328,000 | 434,000 |
| Net interest income | 312,000 | 674,000 | 1,033,000 | 1,393,000 |
| Noninterest income | 182,000 | 251,000 | 322,000 | 383,000 |
| Noninterest expense | 265,000 | 558,000 | 872,000 | 1,188,000 |
| Provision for loan losses | 42,000 | 64,000 | 80,000 | 160,000 |
| Pretax income | 187,000 | 303,000 | 403,000 | 434,000 |
| Income tax | 39,000 | 92,000 | 112,000 | 175,000 |
| Net income | 148,000 | 211,000 | 291,000 | 259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,366,000 | 2,385,000 | 2,465,000 | 2,435,000 |
| Total capital | 2,529,000 | 2,556,000 | 2,644,000 | 2,622,000 |
| Risk-weighted assets | 13,004,000 | 13,512,000 | 14,135,000 | 14,791,000 |