Call reports 2007
WESTERN BANK — 2007
What WESTERN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 62,311,000 | 61,801,000 | 62,103,000 | 63,836,000 |
| Total loans | 45,199,000 | 43,874,000 | 42,814,000 | 45,448,000 |
| Allowance for loan losses | 507,000 | 485,000 | 463,000 | 553,000 |
| Securities available for sale | 9,904,000 | 9,660,000 | 9,391,000 | 10,306,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,917,000 | 54,469,000 | 53,969,000 | 55,522,000 |
| Interest-bearing deposits | 43,342,000 | 45,815,000 | 46,560,000 | 43,513,000 |
| Noninterest-bearing deposits | 10,575,000 | 8,654,000 | 7,409,000 | 12,009,000 |
| Equity capital | 5,869,000 | 6,647,000 | 7,484,000 | 7,687,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,113,000 | 2,238,000 | 3,371,000 | 4,508,000 |
| Interest expense | 460,000 | 923,000 | 1,393,000 | 1,849,000 |
| Net interest income | 653,000 | 1,315,000 | 1,978,000 | 2,659,000 |
| Noninterest income | 137,000 | 251,000 | 362,000 | 742,000 |
| Noninterest expense | 707,000 | 1,360,000 | 2,065,000 | 2,890,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 149,000 |
| Pretax income | 77,000 | 194,000 | 257,000 | 367,000 |
| Income tax | 23,000 | 58,000 | 75,000 | 83,000 |
| Net income | 54,000 | 136,000 | 182,000 | 284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,966,000 | 5,894,000 | 6,700,000 | 6,938,000 |
| Total capital | 5,473,000 | 6,379,000 | 7,163,000 | 7,491,000 |
| Risk-weighted assets | 45,709,000 | 42,825,000 | 43,785,000 | 44,480,000 |