Call reports 2013
WESTERN BANK — 2013
What WESTERN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 176,210,000 | 170,021,000 | 172,350,000 | 172,739,000 |
| Total loans | 96,518,000 | 94,854,000 | 98,506,000 | 95,956,000 |
| Allowance for loan losses | 68,000 | 143,000 | 218,000 | 603,000 |
| Securities available for sale | 58,520,000 | 53,735,000 | 49,244,000 | 47,322,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,813,000 | 148,327,000 | 147,948,000 | 149,336,000 |
| Interest-bearing deposits | 117,799,000 | 112,978,000 | 110,750,000 | 111,401,000 |
| Noninterest-bearing deposits | 37,014,000 | 35,350,000 | 37,199,000 | 37,935,000 |
| Equity capital | 17,469,000 | 16,812,000 | 17,579,000 | 16,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,694,000 | 3,390,000 | 5,064,000 | 6,768,000 |
| Interest expense | 209,000 | 401,000 | 554,000 | 704,000 |
| Net interest income | 1,485,000 | 2,989,000 | 4,510,000 | 6,064,000 |
| Noninterest income | 526,000 | 918,000 | 1,692,000 | 1,842,000 |
| Noninterest expense | 1,302,000 | 2,698,000 | 4,120,000 | 5,639,000 |
| Provision for loan losses | 80,000 | 155,000 | 230,000 | 665,000 |
| Pretax income | 652,000 | 1,078,000 | 1,876,000 | 1,626,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 652,000 | 1,078,000 | 1,876,000 | 1,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,490,000 | 16,937,000 | 17,704,000 | 16,908,000 |
| Total capital | 16,567,000 | 17,111,000 | 17,946,000 | 17,553,000 |
| Risk-weighted assets | 115,678,000 | 114,011,000 | 115,528,000 | 112,108,000 |