Call reports 2003
WESTERN NATIONAL BANK — 2003
What WESTERN NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 5,917,000 | 5,816,000 | 6,073,000 | 6,462,000 |
| Total loans | 4,279,000 | 4,393,000 | 4,994,000 | 4,675,000 |
| Allowance for loan losses | 50,000 | 51,000 | 53,000 | 56,000 |
| Securities available for sale | 521,000 | 418,000 | 205,000 | 259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,195,000 | 5,091,000 | 5,334,000 | 5,725,000 |
| Interest-bearing deposits | 4,548,000 | 4,466,000 | 4,682,000 | 4,916,000 |
| Noninterest-bearing deposits | 647,000 | 625,000 | 652,000 | 809,000 |
| Equity capital | 700,000 | 708,000 | 720,000 | 720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 91,000 | 178,000 | 266,000 | 354,000 |
| Interest expense | 24,000 | 47,000 | 71,000 | 94,000 |
| Net interest income | 67,000 | 131,000 | 195,000 | 260,000 |
| Noninterest income | 4,000 | 8,000 | 13,000 | 23,000 |
| Noninterest expense | 53,000 | 104,000 | 152,000 | 207,000 |
| Provision for loan losses | 0 | 1,000 | 3,000 | 6,000 |
| Pretax income | 18,000 | 34,000 | 53,000 | 70,000 |
| Income tax | 7,000 | 13,000 | 18,000 | 24,000 |
| Net income | 11,000 | 21,000 | 35,000 | 46,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 693,000 | 703,000 | 717,000 | 718,000 |
| Total capital | 743,000 | 754,000 | 770,000 | 774,000 |
| Risk-weighted assets | 4,248,000 | 4,275,000 | 4,749,000 | 4,587,000 |