Call reports 2004
WESTERN NATIONAL BANK — 2004
What WESTERN NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 7,103,000 | 6,808,000 | 6,769,000 | 7,014,000 |
| Total loans | 4,817,000 | 4,763,000 | 4,572,000 | 5,062,000 |
| Allowance for loan losses | 56,000 | 56,000 | 59,000 | 68,000 |
| Securities available for sale | 357,000 | 350,000 | 498,000 | 399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,349,000 | 6,062,000 | 6,017,000 | 6,274,000 |
| Interest-bearing deposits | 5,513,000 | 5,336,000 | 5,278,000 | 5,280,000 |
| Noninterest-bearing deposits | 836,000 | 726,000 | 739,000 | 994,000 |
| Equity capital | 731,000 | 735,000 | 740,000 | 729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 87,000 | 172,000 | 258,000 | 346,000 |
| Interest expense | 23,000 | 48,000 | 73,000 | 97,000 |
| Net interest income | 64,000 | 124,000 | 185,000 | 249,000 |
| Noninterest income | 4,000 | 9,000 | 13,000 | 20,000 |
| Noninterest expense | 50,000 | 105,000 | 157,000 | 238,000 |
| Provision for loan losses | 0 | 0 | 3,000 | 12,000 |
| Pretax income | 18,000 | 28,000 | 38,000 | 19,000 |
| Income tax | 6,000 | 8,000 | 12,000 | 4,000 |
| Net income | 12,000 | 20,000 | 26,000 | 15,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 730,000 | 738,000 | 744,000 | 733,000 |
| Total capital | 786,000 | 794,000 | 802,000 | 796,000 |
| Risk-weighted assets | 4,815,000 | 4,725,000 | 4,624,000 | 5,060,000 |