Call reports 2014
WESTERN BANK — 2014
What WESTERN BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 178,273,000 | 175,447,000 | 184,300,000 | 183,254,000 |
| Total loans | 94,987,000 | 96,002,000 | 97,931,000 | 97,705,000 |
| Allowance for loan losses | 603,000 | 558,000 | 568,000 | 618,000 |
| Securities available for sale | 47,987,000 | 57,566,000 | 66,376,000 | 65,357,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,960,000 | 151,677,000 | 153,817,000 | 152,914,000 |
| Interest-bearing deposits | 113,366,000 | 109,457,000 | 110,318,000 | 109,690,000 |
| Noninterest-bearing deposits | 41,594,000 | 42,220,000 | 43,500,000 | 43,225,000 |
| Equity capital | 17,547,000 | 17,899,000 | 18,055,000 | 18,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,636,000 | 3,300,000 | 5,012,000 | 6,779,000 |
| Interest expense | 138,000 | 278,000 | 415,000 | 556,000 |
| Net interest income | 1,498,000 | 3,022,000 | 4,597,000 | 6,223,000 |
| Noninterest income | 349,000 | 662,000 | 958,000 | 1,270,000 |
| Noninterest expense | 1,413,000 | 2,904,000 | 4,326,000 | 5,665,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 582,000 | 933,000 | 1,383,000 | 1,932,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 582,000 | 933,000 | 1,383,000 | 1,932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,483,000 | 17,416,000 | 17,785,000 | 18,034,000 |
| Total capital | 18,086,000 | 17,974,000 | 18,353,000 | 18,652,000 |
| Risk-weighted assets | 113,630,000 | 115,204,000 | 113,539,000 | 116,874,000 |