Call reports 2010
WESTERN BANK — 2010
What WESTERN BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 191,419,000 | 186,325,000 | 186,240,000 | 191,572,000 |
| Total loans | 138,151,000 | 136,884,000 | 138,239,000 | 137,244,000 |
| Allowance for loan losses | 1,508,000 | 1,524,000 | 1,344,000 | 1,398,000 |
| Securities available for sale | 19,102,000 | 16,829,000 | 18,426,000 | 19,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,205,000 | 158,911,000 | 159,567,000 | 165,546,000 |
| Interest-bearing deposits | 121,382,000 | 125,968,000 | 126,091,000 | 123,897,000 |
| Noninterest-bearing deposits | 47,824,000 | 32,943,000 | 33,477,000 | 41,649,000 |
| Equity capital | 16,868,000 | 17,001,000 | 17,640,000 | 17,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,397,000 | 4,709,000 | 7,085,000 | 9,501,000 |
| Interest expense | 579,000 | 1,145,000 | 1,672,000 | 2,152,000 |
| Net interest income | 1,818,000 | 3,564,000 | 5,413,000 | 7,349,000 |
| Noninterest income | 325,000 | 685,000 | 946,000 | 1,213,000 |
| Noninterest expense | 1,763,000 | 3,753,000 | 5,684,000 | 7,719,000 |
| Provision for loan losses | 72,000 | 122,000 | 132,000 | 403,000 |
| Pretax income | 308,000 | 381,000 | 546,000 | 442,000 |
| Income tax | 69,000 | 71,000 | 133,000 | 107,000 |
| Net income | 239,000 | 310,000 | 413,000 | 335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,153,000 | 16,231,000 | 16,810,000 | 16,406,000 |
| Total capital | 17,663,000 | 17,755,000 | 18,154,000 | 17,804,000 |
| Risk-weighted assets | 142,745,000 | 148,091,000 | 146,909,000 | 148,026,000 |