Call reports 2005
WESTERN BANK — 2005
What WESTERN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 53,485,000 | 53,756,000 | 52,870,000 | 55,469,000 |
| Total loans | 34,508,000 | 33,963,000 | 35,265,000 | 37,812,000 |
| Allowance for loan losses | 1,534,000 | 1,235,000 | 591,000 | 554,000 |
| Securities available for sale | 11,423,000 | 10,943,000 | 10,209,000 | 9,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,878,000 | 46,913,000 | 43,483,000 | 45,304,000 |
| Interest-bearing deposits | 34,524,000 | 35,495,000 | 32,641,000 | 35,339,000 |
| Noninterest-bearing deposits | 11,354,000 | 11,418,000 | 10,842,000 | 9,966,000 |
| Equity capital | 4,817,000 | 5,111,000 | 5,149,000 | 5,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 745,000 | 1,507,000 | 2,329,000 | 3,205,000 |
| Interest expense | 204,000 | 416,000 | 662,000 | 941,000 |
| Net interest income | 541,000 | 1,091,000 | 1,667,000 | 2,264,000 |
| Noninterest income | 129,000 | 462,000 | 558,000 | 497,000 |
| Noninterest expense | 570,000 | 1,161,000 | 1,739,000 | 2,446,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 20,000 |
| Pretax income | 85,000 | 366,000 | 460,000 | 299,000 |
| Income tax | 18,000 | 112,000 | 128,000 | 100,000 |
| Net income | 67,000 | 254,000 | 332,000 | 199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,776,000 | 3,951,000 | 4,036,000 | 4,068,000 |
| Total capital | 4,245,000 | 4,378,000 | 4,479,000 | 4,537,000 |
| Risk-weighted assets | 36,515,000 | 33,359,000 | 35,323,000 | 37,402,000 |