Call reports 2012
WESTERN NATIONAL BANK — 2012
What WESTERN NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 32,517,000 | 33,578,000 | 32,483,000 | 31,815,000 |
| Total loans | 24,479,000 | 24,858,000 | 27,425,000 | 27,531,000 |
| Allowance for loan losses | 304,000 | 304,000 | 328,000 | 328,000 |
| Securities available for sale | 57,000 | 57,000 | 56,000 | 57,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,890,000 | 27,901,000 | 27,728,000 | 26,922,000 |
| Interest-bearing deposits | 23,879,000 | 25,844,000 | 25,581,000 | 24,498,000 |
| Noninterest-bearing deposits | 3,011,000 | 2,057,000 | 2,147,000 | 2,424,000 |
| Equity capital | 3,583,000 | 3,628,000 | 3,707,000 | 3,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 338,000 | 671,000 | 1,025,000 | 1,378,000 |
| Interest expense | 97,000 | 196,000 | 294,000 | 375,000 |
| Net interest income | 241,000 | 475,000 | 731,000 | 1,003,000 |
| Noninterest income | 6,000 | 19,000 | 37,000 | 83,000 |
| Noninterest expense | 150,000 | 343,000 | 511,000 | 681,000 |
| Provision for loan losses | 20,000 | 20,000 | 44,000 | 44,000 |
| Pretax income | 77,000 | 131,000 | 213,000 | 361,000 |
| Income tax | 5,000 | 14,000 | 19,000 | 25,000 |
| Net income | 72,000 | 117,000 | 194,000 | 336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,649,000 | 2,726,000 | 2,809,000 | 2,951,000 |
| Total capital | 2,937,000 | 3,018,000 | 3,117,000 | 3,268,000 |
| Risk-weighted assets | 23,065,000 | 23,337,000 | 24,654,000 | 25,348,000 |