Call reports 2005
WESTERN NATIONAL BANK — 2005
What WESTERN NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 6,944,000 | 6,945,000 | 6,816,000 | 6,831,000 |
| Total loans | 4,621,000 | 4,322,000 | 4,484,000 | 4,554,000 |
| Allowance for loan losses | 69,000 | 63,000 | 63,000 | 58,000 |
| Securities available for sale | 641,000 | 892,000 | 1,382,000 | 1,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,200,000 | 6,192,000 | 6,040,000 | 5,927,000 |
| Interest-bearing deposits | 5,471,000 | 5,406,000 | 5,149,000 | 3,422,000 |
| Noninterest-bearing deposits | 729,000 | 786,000 | 891,000 | 2,505,000 |
| Equity capital | 733,000 | 737,000 | 743,000 | 753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 89,000 | 176,000 | 266,000 | 361,000 |
| Interest expense | 24,000 | 48,000 | 72,000 | 99,000 |
| Net interest income | 65,000 | 128,000 | 194,000 | 262,000 |
| Noninterest income | 5,000 | 10,000 | 15,000 | 21,000 |
| Noninterest expense | 56,000 | 112,000 | 166,000 | 228,000 |
| Provision for loan losses | 1,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | 13,000 | 18,000 | 35,000 | 47,000 |
| Income tax | 4,000 | 6,000 | 12,000 | 16,000 |
| Net income | 9,000 | 12,000 | 23,000 | 31,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 742,000 | 745,000 | 757,000 | 765,000 |
| Total capital | 801,000 | 802,000 | 819,000 | 823,000 |
| Risk-weighted assets | 4,766,000 | 4,659,000 | 4,808,000 | 4,895,000 |