Call reports 2008
WESTERN BANK — 2008
What WESTERN BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 66,852,000 | 71,657,000 | 73,019,000 | 73,065,000 |
| Total loans | 45,858,000 | 55,335,000 | 56,039,000 | 55,219,000 |
| Allowance for loan losses | 563,000 | 551,000 | 658,000 | 505,000 |
| Securities available for sale | 9,671,000 | 8,865,000 | 8,775,000 | 8,723,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,469,000 | 60,017,000 | 61,145,000 | 59,126,000 |
| Interest-bearing deposits | 45,555,000 | 47,140,000 | 47,368,000 | 46,110,000 |
| Noninterest-bearing deposits | 12,914,000 | 12,877,000 | 13,777,000 | 13,016,000 |
| Equity capital | 7,770,000 | 7,552,000 | 7,572,000 | 7,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,081,000 | 2,175,000 | 3,293,000 | 4,349,000 |
| Interest expense | 432,000 | 814,000 | 1,210,000 | 1,585,000 |
| Net interest income | 649,000 | 1,361,000 | 2,083,000 | 2,764,000 |
| Noninterest income | 96,000 | 199,000 | 316,000 | 411,000 |
| Noninterest expense | 749,000 | 1,495,000 | 2,293,000 | 3,037,000 |
| Provision for loan losses | 3,000 | 16,000 | 149,000 | 152,000 |
| Pretax income | 64,000 | 148,000 | 56,000 | 85,000 |
| Income tax | 0 | 43,000 | 10,000 | 18,000 |
| Net income | 64,000 | 105,000 | 46,000 | 67,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,002,000 | 7,064,000 | 6,938,000 | 7,044,000 |
| Total capital | 7,565,000 | 7,615,000 | 7,596,000 | 7,549,000 |
| Risk-weighted assets | 45,236,000 | 52,763,000 | 54,716,000 | 55,086,000 |