Call reports 2004
WESTERN BANK — 2004
What WESTERN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 25,469,000 | 25,211,000 | 24,172,000 | 25,168,000 |
| Total loans | 17,488,000 | 17,911,000 | 17,634,000 | 16,790,000 |
| Allowance for loan losses | 452,000 | 451,000 | 459,000 | 476,000 |
| Securities available for sale | 5,781,000 | 5,436,000 | 4,765,000 | 6,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,920,000 | 18,553,000 | 17,839,000 | 20,604,000 |
| Interest-bearing deposits | 17,167,000 | 14,883,000 | 14,624,000 | 17,038,000 |
| Noninterest-bearing deposits | 3,753,000 | 3,670,000 | 3,215,000 | 3,566,000 |
| Equity capital | 2,549,000 | 2,505,000 | 2,674,000 | 2,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 430,000 | 843,000 | 1,257,000 | 1,661,000 |
| Interest expense | 80,000 | 155,000 | 234,000 | 315,000 |
| Net interest income | 350,000 | 688,000 | 1,023,000 | 1,346,000 |
| Noninterest income | 99,000 | 198,000 | 302,000 | 407,000 |
| Noninterest expense | 284,000 | 574,000 | 867,000 | 1,224,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 150,000 | 282,000 | 413,000 | 469,000 |
| Income tax | 30,000 | 60,000 | 76,000 | 105,000 |
| Net income | 120,000 | 222,000 | 337,000 | 364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,460,000 | 2,517,000 | 2,632,000 | 2,659,000 |
| Total capital | 2,663,000 | 2,725,000 | 2,832,000 | 2,853,000 |
| Risk-weighted assets | 15,990,000 | 16,332,000 | 15,714,000 | 15,262,000 |