Call reports 2006
WESTERN NATIONAL BANK — 2006
What WESTERN NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 6,907,000 | 6,680,000 | 6,576,000 | 6,627,000 |
| Total loans | 4,194,000 | 4,026,000 | 4,008,000 | 4,231,000 |
| Allowance for loan losses | 56,000 | 56,000 | 56,000 | 56,000 |
| Securities available for sale | 1,363,000 | 1,365,000 | 1,383,000 | 1,386,000 |
| Securities held to maturity | 0 | 0 | 248,000 | 248,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,138,000 | 5,902,000 | 5,783,000 | 5,832,000 |
| Interest-bearing deposits | 3,562,000 | 5,026,000 | 5,037,000 | 3,614,000 |
| Noninterest-bearing deposits | 2,576,000 | 876,000 | 746,000 | 2,218,000 |
| Equity capital | 743,000 | 757,000 | 774,000 | 777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 89,000 | 183,000 | 277,000 | 373,000 |
| Interest expense | 29,000 | 62,000 | 97,000 | 134,000 |
| Net interest income | 60,000 | 121,000 | 180,000 | 239,000 |
| Noninterest income | 6,000 | 10,000 | 16,000 | 24,000 |
| Noninterest expense | 58,000 | 116,000 | 175,000 | 240,000 |
| Provision for loan losses | 1,000 | 2,000 | 2,000 | 2,000 |
| Pretax income | 7,000 | 13,000 | 19,000 | 21,000 |
| Income tax | 2,000 | -5,000 | -4,000 | -3,000 |
| Net income | 5,000 | 18,000 | 23,000 | 24,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 770,000 | 783,000 | 788,000 | 789,000 |
| Total capital | 816,000 | 839,000 | 844,000 | 845,000 |
| Risk-weighted assets | 4,613,000 | 4,390,000 | 4,397,000 | 4,576,000 |