Call reports 2014
WESTERN NATIONAL BANK — 2014
What WESTERN NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 71,316,000 | 68,247,000 | 70,222,000 | 71,896,000 |
| Total loans | 55,028,000 | 56,135,000 | 58,622,000 | 60,126,000 |
| Allowance for loan losses | 501,000 | 556,000 | 607,000 | 602,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,299,000 | 1,299,000 | 799,000 | 789,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,178,000 | 59,011,000 | 59,938,000 | 58,781,000 |
| Interest-bearing deposits | 53,792,000 | 53,064,000 | 53,728,000 | 52,728,000 |
| Noninterest-bearing deposits | 8,386,000 | 5,947,000 | 6,210,000 | 6,053,000 |
| Equity capital | 7,979,000 | 8,051,000 | 8,194,000 | 8,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 686,000 | 1,387,000 | 2,127,000 | 2,884,000 |
| Interest expense | 148,000 | 288,000 | 430,000 | 567,000 |
| Net interest income | 538,000 | 1,099,000 | 1,697,000 | 2,317,000 |
| Noninterest income | 17,000 | 57,000 | 133,000 | 174,000 |
| Noninterest expense | 362,000 | 717,000 | 1,072,000 | 1,430,000 |
| Provision for loan losses | 50,000 | 106,000 | 156,000 | 156,000 |
| Pretax income | 143,000 | 333,000 | 602,000 | 905,000 |
| Income tax | 0 | 9,000 | 14,000 | 18,000 |
| Net income | 143,000 | 324,000 | 588,000 | 887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,261,000 | 6,339,000 | 6,487,000 | 6,321,000 |
| Total capital | 6,762,000 | 6,895,000 | 7,094,000 | 6,923,000 |
| Risk-weighted assets | 51,574,000 | 51,266,000 | 54,421,000 | 56,182,000 |