Call reports 2009
WESTERN NATIONAL BANK — 2009
What WESTERN NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 11,687,000 | 13,589,000 | 15,269,000 | 15,669,000 |
| Total loans | 5,576,000 | 7,518,000 | 9,590,000 | 10,960,000 |
| Allowance for loan losses | 69,000 | 93,000 | 131,000 | 147,000 |
| Securities available for sale | 157,000 | 158,000 | 159,000 | 158,000 |
| Securities held to maturity | 249,000 | 249,000 | 249,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,435,000 | 10,393,000 | 9,893,000 | 10,329,000 |
| Interest-bearing deposits | 7,479,000 | 9,039,000 | 8,946,000 | 9,021,000 |
| Noninterest-bearing deposits | 956,000 | 1,354,000 | 947,000 | 1,308,000 |
| Equity capital | 3,235,000 | 3,165,000 | 3,344,000 | 3,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 81,000 | 187,000 | 324,000 | 493,000 |
| Interest expense | 34,000 | 77,000 | 121,000 | 174,000 |
| Net interest income | 47,000 | 110,000 | 203,000 | 319,000 |
| Noninterest income | 4,000 | 8,000 | 14,000 | 23,000 |
| Noninterest expense | 99,000 | 214,000 | 322,000 | 452,000 |
| Provision for loan losses | 0 | 24,000 | 62,000 | 77,000 |
| Pretax income | -48,000 | -120,000 | -167,000 | -187,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -48,000 | -120,000 | -167,000 | -187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,204,000 | 2,135,000 | 2,316,000 | 2,353,000 |
| Total capital | 2,267,000 | 2,228,000 | 2,432,000 | 2,484,000 |
| Risk-weighted assets | 6,367,000 | 8,211,000 | 9,262,000 | 10,442,000 |