Call reports 2016
WESTERN BANK — 2016
What WESTERN BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 198,674,000 | 203,491,000 | 208,850,000 | 209,194,000 |
| Total loans | 112,987,000 | 113,817,000 | 128,395,000 | 134,189,000 |
| Allowance for loan losses | 1,287,000 | 1,291,000 | 1,275,000 | 1,463,000 |
| Securities available for sale | 68,285,000 | 64,352,000 | 57,815,000 | 55,757,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,283,000 | 163,662,000 | 170,735,000 | 173,375,000 |
| Interest-bearing deposits | 115,759,000 | 118,160,000 | 120,025,000 | 124,328,000 |
| Noninterest-bearing deposits | 44,525,000 | 45,502,000 | 50,709,000 | 49,048,000 |
| Equity capital | 20,133,000 | 20,592,000 | 20,512,000 | 19,182,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,249,000 | 4,069,000 | 5,992,000 | 7,991,000 |
| Interest expense | 171,000 | 356,000 | 544,000 | 751,000 |
| Net interest income | 2,078,000 | 3,713,000 | 5,448,000 | 7,240,000 |
| Noninterest income | 1,051,000 | 1,358,000 | 1,605,000 | 1,854,000 |
| Noninterest expense | 1,438,000 | 2,893,000 | 4,395,000 | 6,064,000 |
| Provision for loan losses | 813,000 | 813,000 | 813,000 | 1,013,000 |
| Pretax income | 878,000 | 1,365,000 | 1,908,000 | 1,924,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 878,000 | 1,365,000 | 1,908,000 | 1,924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,782,000 | 20,016,000 | 20,030,000 | 19,774,000 |
| Total capital | 21,069,000 | 21,307,000 | 21,305,000 | 21,237,000 |
| Risk-weighted assets | 133,028,000 | 134,683,000 | 145,643,000 | 151,518,000 |