Call reports 2009
WESTERN BANK — 2009
What WESTERN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 74,221,000 | 196,506,000 | 189,935,000 | 197,460,000 |
| Total loans | 54,853,000 | 136,893,000 | 142,893,000 | 139,154,000 |
| Allowance for loan losses | 541,000 | 1,568,000 | 1,325,000 | 1,565,000 |
| Securities available for sale | 6,903,000 | 24,297,000 | 26,167,000 | 14,990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,519,000 | 174,949,000 | 164,340,000 | 169,193,000 |
| Interest-bearing deposits | 48,890,000 | 131,371,000 | 118,604,000 | 116,733,000 |
| Noninterest-bearing deposits | 14,629,000 | 43,578,000 | 45,737,000 | 52,460,000 |
| Equity capital | 7,623,000 | 16,838,000 | 17,389,000 | 16,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 967,000 | 5,099,000 | 7,609,000 | 10,066,000 |
| Interest expense | 328,000 | 1,676,000 | 2,365,000 | 2,952,000 |
| Net interest income | 639,000 | 3,423,000 | 5,244,000 | 7,114,000 |
| Noninterest income | 92,000 | 750,000 | 1,080,000 | 1,448,000 |
| Noninterest expense | 762,000 | 3,569,000 | 5,318,000 | 7,755,000 |
| Provision for loan losses | 53,000 | 164,000 | 262,000 | 597,000 |
| Pretax income | 54,000 | 573,000 | 1,013,000 | 546,000 |
| Income tax | 8,000 | 183,000 | 183,000 | 100,000 |
| Net income | 46,000 | 390,000 | 830,000 | 446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,023,000 | 16,224,000 | 16,664,000 | 16,013,000 |
| Total capital | 7,564,000 | 17,792,000 | 17,994,000 | 17,580,000 |
| Risk-weighted assets | 55,140,000 | 144,004,000 | 144,144,000 | 141,137,000 |