Call reports 2006
WESTERN BANK — 2006
What WESTERN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 57,549,000 | 58,061,000 | 54,859,000 | 60,755,000 |
| Total loans | 38,834,000 | 40,564,000 | 36,715,000 | 44,408,000 |
| Allowance for loan losses | 581,000 | 613,000 | 589,000 | 559,000 |
| Securities available for sale | 11,268,000 | 11,034,000 | 9,831,000 | 9,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,956,000 | 48,100,000 | 48,487,000 | 52,013,000 |
| Interest-bearing deposits | 37,848,000 | 37,467,000 | 37,793,000 | 39,880,000 |
| Noninterest-bearing deposits | 12,109,000 | 10,633,000 | 10,694,000 | 12,133,000 |
| Equity capital | 5,204,000 | 5,214,000 | 5,365,000 | 5,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 925,000 | 1,965,000 | 3,021,000 | 4,053,000 |
| Interest expense | 313,000 | 660,000 | 1,031,000 | 1,440,000 |
| Net interest income | 612,000 | 1,305,000 | 1,990,000 | 2,613,000 |
| Noninterest income | 135,000 | 244,000 | 373,000 | 543,000 |
| Noninterest expense | 670,000 | 1,382,000 | 2,106,000 | 2,932,000 |
| Provision for loan losses | -59,000 | -44,000 | 111,000 | 316,000 |
| Pretax income | 136,000 | 221,000 | 156,000 | -82,000 |
| Income tax | 57,000 | 94,000 | 94,000 | 53,000 |
| Net income | 145,000 | 214,000 | 244,000 | 46,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,490,000 | 4,625,000 | 4,619,000 | 4,395,000 |
| Total capital | 4,972,000 | 5,135,000 | 5,106,000 | 4,934,000 |
| Risk-weighted assets | 38,476,000 | 40,700,000 | 38,864,000 | 43,098,000 |