Call reports 2015
WESTERN BANK — 2015
What WESTERN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 188,274,000 | 183,189,000 | 189,032,000 | 191,939,000 |
| Total loans | 103,033,000 | 97,836,000 | 101,327,000 | 105,318,000 |
| Allowance for loan losses | 618,000 | 580,000 | 573,000 | 575,000 |
| Securities available for sale | 65,513,000 | 63,187,000 | 68,690,000 | 67,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,577,000 | 150,529,000 | 155,949,000 | 155,815,000 |
| Interest-bearing deposits | 109,665,000 | 106,687,000 | 106,867,000 | 109,181,000 |
| Noninterest-bearing deposits | 45,912,000 | 43,842,000 | 49,082,000 | 46,634,000 |
| Equity capital | 19,010,000 | 18,924,000 | 19,287,000 | 19,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,765,000 | 3,548,000 | 5,242,000 | 6,954,000 |
| Interest expense | 141,000 | 276,000 | 412,000 | 556,000 |
| Net interest income | 1,624,000 | 3,272,000 | 4,830,000 | 6,398,000 |
| Noninterest income | 310,000 | 597,000 | 870,000 | 1,165,000 |
| Noninterest expense | 1,399,000 | 2,823,000 | 4,219,000 | 5,661,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 535,000 | 996,000 | 1,431,000 | 1,858,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 535,000 | 996,000 | 1,431,000 | 1,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,793,000 | 18,974,000 | 19,137,000 | 19,297,000 |
| Total capital | 19,411,000 | 19,554,000 | 19,710,000 | 19,872,000 |
| Risk-weighted assets | 122,603,000 | 120,387,000 | 123,433,000 | 124,944,000 |