Call reports 2011
WESTERN NATIONAL BANK — 2011
What WESTERN NATIONAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 26,465,000 | 27,544,000 | 26,958,000 | 27,324,000 |
| Total loans | 19,090,000 | 21,407,000 | 23,220,000 | 24,079,000 |
| Allowance for loan losses | 237,000 | 263,000 | 288,000 | 284,000 |
| Securities available for sale | 157,000 | 158,000 | 57,000 | 57,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,063,000 | 22,098,000 | 20,363,000 | 20,778,000 |
| Interest-bearing deposits | 19,576,000 | 20,398,000 | 19,349,000 | 19,483,000 |
| Noninterest-bearing deposits | 1,487,000 | 1,700,000 | 1,014,000 | 1,295,000 |
| Equity capital | 3,368,000 | 3,413,000 | 3,512,000 | 3,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 266,000 | 561,000 | 887,000 | 1,221,000 |
| Interest expense | 95,000 | 187,000 | 279,000 | 368,000 |
| Net interest income | 171,000 | 374,000 | 608,000 | 853,000 |
| Noninterest income | 3,000 | 12,000 | 41,000 | 86,000 |
| Noninterest expense | 141,000 | 284,000 | 422,000 | 605,000 |
| Provision for loan losses | 21,000 | 47,000 | 72,000 | 72,000 |
| Pretax income | 12,000 | 55,000 | 155,000 | 262,000 |
| Income tax | 0 | 0 | 0 | 7,000 |
| Net income | 12,000 | 55,000 | 155,000 | 255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,413,000 | 2,460,000 | 2,562,000 | 2,541,000 |
| Total capital | 2,642,000 | 2,710,000 | 2,823,000 | 2,812,000 |
| Risk-weighted assets | 18,346,000 | 19,980,000 | 20,845,000 | 21,696,000 |