Call reports 2003
WESTERN BANK — 2003
What WESTERN BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 25,755,000 | 24,220,000 | 23,382,000 | 25,298,000 |
| Total loans | 16,955,000 | 17,157,000 | 17,849,000 | 17,481,000 |
| Allowance for loan losses | 473,000 | 484,000 | 444,000 | 461,000 |
| Securities available for sale | 5,410,000 | 3,395,000 | 3,751,000 | 5,067,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,417,000 | 19,110,000 | 18,446,000 | 20,746,000 |
| Interest-bearing deposits | 16,813,000 | 15,717,000 | 15,031,000 | 16,835,000 |
| Noninterest-bearing deposits | 3,604,000 | 3,393,000 | 3,415,000 | 3,911,000 |
| Equity capital | 2,655,000 | 2,608,000 | 2,624,000 | 2,474,000 |
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 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 448,000 | 870,000 | 1,282,000 | 1,717,000 |
| Interest expense | 99,000 | 194,000 | 280,000 | 362,000 |
| Net interest income | 349,000 | 676,000 | 1,002,000 | 1,355,000 |
| Noninterest income | 99,000 | 171,000 | 253,000 | 359,000 |
| Noninterest expense | 292,000 | 582,000 | 872,000 | 1,203,000 |
| Provision for loan losses | 30,000 | 54,000 | 78,000 | 127,000 |
| Pretax income | 127,000 | 212,000 | 306,000 | 399,000 |
| Income tax | 36,000 | 86,000 | 85,000 | 110,000 |
| Net income | 91,000 | 126,000 | 221,000 | 289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,535,000 | 2,498,000 | 2,547,000 | 2,415,000 |
| Total capital | 2,722,000 | 2,684,000 | 2,746,000 | 2,613,000 |
| Risk-weighted assets | 14,689,000 | 14,616,000 | 15,659,000 | 15,561,000 |