Call reports 2013
WESTERN NATIONAL BANK — 2013
What WESTERN NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 33,853,000 | 36,051,000 | 37,766,000 | 38,670,000 |
| Total loans | 26,791,000 | 31,330,000 | 33,854,000 | 35,138,000 |
| Allowance for loan losses | 328,000 | 370,000 | 400,000 | 450,000 |
| Securities available for sale | 56,000 | 55,000 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,862,000 | 29,479,000 | 29,834,000 | 33,388,000 |
| Interest-bearing deposits | 27,189,000 | 27,582,000 | 28,241,000 | 27,933,000 |
| Noninterest-bearing deposits | 1,673,000 | 1,897,000 | 1,593,000 | 5,455,000 |
| Equity capital | 3,944,000 | 4,032,000 | 4,141,000 | 4,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 336,000 | 710,000 | 1,122,000 | 1,541,000 |
| Interest expense | 77,000 | 150,000 | 225,000 | 297,000 |
| Net interest income | 259,000 | 560,000 | 897,000 | 1,244,000 |
| Noninterest income | 13,000 | 37,000 | 53,000 | 84,000 |
| Noninterest expense | 171,000 | 360,000 | 569,000 | 792,000 |
| Provision for loan losses | 0 | 42,000 | 72,000 | 122,000 |
| Pretax income | 101,000 | 195,000 | 309,000 | 414,000 |
| Income tax | 4,000 | 9,000 | 14,000 | 18,000 |
| Net income | 97,000 | 186,000 | 295,000 | 396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,052,000 | 3,144,000 | 3,255,000 | 3,359,000 |
| Total capital | 3,367,000 | 3,506,000 | 3,632,000 | 3,739,000 |
| Risk-weighted assets | 25,193,000 | 28,172,000 | 29,354,000 | 30,346,000 |