Call reports 2008
WESTERN NATIONAL BANK — 2008
What WESTERN NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 6,811,000 | 6,582,000 | 6,564,000 | 6,123,000 |
| Total loans | 4,301,000 | 3,901,000 | 3,836,000 | 3,144,000 |
| Allowance for loan losses | 60,000 | 60,000 | 69,000 | 69,000 |
| Securities available for sale | 155,000 | 155,000 | 152,000 | 155,000 |
| Securities held to maturity | 249,000 | 249,000 | 249,000 | 249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,955,000 | 5,739,000 | 5,737,000 | 5,305,000 |
| Interest-bearing deposits | 3,135,000 | 3,100,000 | 2,948,000 | 4,043,000 |
| Noninterest-bearing deposits | 2,820,000 | 2,639,000 | 2,789,000 | 1,262,000 |
| Equity capital | 826,000 | 830,000 | 818,000 | 810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 91,000 | 167,000 | 241,000 | 302,000 |
| Interest expense | 29,000 | 57,000 | 81,000 | 102,000 |
| Net interest income | 62,000 | 110,000 | 160,000 | 200,000 |
| Noninterest income | 4,000 | 9,000 | 13,000 | 20,000 |
| Noninterest expense | 61,000 | 117,000 | 175,000 | 233,000 |
| Provision for loan losses | 0 | 0 | 9,000 | 9,000 |
| Pretax income | 15,000 | 12,000 | -1,000 | -12,000 |
| Income tax | 3,000 | -3,000 | -6,000 | -8,000 |
| Net income | 12,000 | 15,000 | 5,000 | -4,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 826,000 | 830,000 | 820,000 | 810,000 |
| Total capital | 883,000 | 883,000 | 873,000 | 857,000 |
| Risk-weighted assets | 4,596,000 | 4,237,000 | 4,222,000 | 3,743,000 |