Call reports 2007
WESTERN NATIONAL BANK — 2007
What WESTERN NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 7,132,000 | 6,652,000 | 6,234,000 | 6,583,000 |
| Total loans | 3,878,000 | 3,765,000 | 4,443,000 | 4,549,000 |
| Allowance for loan losses | 56,000 | 56,000 | 60,000 | 60,000 |
| Securities available for sale | 1,393,000 | 1,138,000 | 648,000 | 409,000 |
| Securities held to maturity | 248,000 | 248,000 | 248,000 | 248,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,331,000 | 5,843,000 | 5,414,000 | 5,736,000 |
| Interest-bearing deposits | 3,662,000 | 4,916,000 | 3,002,000 | 4,645,000 |
| Noninterest-bearing deposits | 2,669,000 | 927,000 | 2,412,000 | 1,091,000 |
| Equity capital | 782,000 | 786,000 | 797,000 | 818,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 96,000 | 194,000 | 288,000 | 387,000 |
| Interest expense | 40,000 | 77,000 | 109,000 | 141,000 |
| Net interest income | 56,000 | 117,000 | 179,000 | 246,000 |
| Noninterest income | 6,000 | 11,000 | 17,000 | 22,000 |
| Noninterest expense | 61,000 | 117,000 | 179,000 | 231,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,000 | 11,000 | 17,000 | 37,000 |
| Income tax | 0 | 3,000 | 5,000 | 12,000 |
| Net income | 1,000 | 8,000 | 12,000 | 25,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 790,000 | 797,000 | 801,000 | 815,000 |
| Total capital | 845,000 | 850,000 | 859,000 | 875,000 |
| Risk-weighted assets | 4,400,000 | 4,215,000 | 4,645,000 | 4,819,000 |