Call reports 2012
WESTERN BANK — 2012
What WESTERN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 200,182,000 | 178,723,000 | 183,656,000 | 192,648,000 |
| Total loans | 123,643,000 | 112,882,000 | 105,211,000 | 100,886,000 |
| Allowance for loan losses | 1,988,000 | 2,008,000 | 1,493,000 | 0 |
| Securities available for sale | 40,140,000 | 37,121,000 | 35,513,000 | 38,018,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,412,000 | 155,693,000 | 160,498,000 | 171,382,000 |
| Interest-bearing deposits | 131,282,000 | 114,941,000 | 112,632,000 | 118,333,000 |
| Noninterest-bearing deposits | 46,130,000 | 40,752,000 | 47,866,000 | 53,049,000 |
| Equity capital | 18,049,000 | 18,451,000 | 18,636,000 | 16,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,275,000 | 4,355,000 | 6,139,000 | 255,000 |
| Interest expense | 340,000 | 641,000 | 878,000 | 27,000 |
| Net interest income | 1,935,000 | 3,714,000 | 5,261,000 | 228,000 |
| Noninterest income | 261,000 | 1,023,000 | 1,306,000 | 1,284,000 |
| Noninterest expense | 1,891,000 | 3,688,000 | 5,255,000 | 226,000 |
| Provision for loan losses | 75,000 | 100,000 | 100,000 | 0 |
| Pretax income | 230,000 | 1,076,000 | 1,344,000 | 1,286,000 |
| Income tax | 43,000 | 301,000 | 363,000 | 0 |
| Net income | 187,000 | 775,000 | 981,000 | 1,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,318,000 | 18,028,000 | 18,265,000 | 15,890,000 |
| Total capital | 19,109,000 | 19,648,000 | 19,758,000 | 15,890,000 |
| Risk-weighted assets | 142,935,000 | 128,859,000 | 121,084,000 | 120,227,000 |