Call reports 2015
WESTERN NATIONAL BANK — 2015
What WESTERN NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 71,190,000 | 75,884,000 | 77,493,000 | 79,062,000 |
| Total loans | 59,952,000 | 63,578,000 | 64,419,000 | 66,303,000 |
| Allowance for loan losses | 625,000 | 653,000 | 715,000 | 714,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 789,000 | 789,000 | 799,000 | 789,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,277,000 | 62,541,000 | 63,519,000 | 66,166,000 |
| Interest-bearing deposits | 56,237,000 | 56,424,000 | 57,682,000 | 59,942,000 |
| Noninterest-bearing deposits | 6,040,000 | 6,117,000 | 5,837,000 | 6,224,000 |
| Equity capital | 8,236,000 | 8,374,000 | 8,506,000 | 8,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 724,000 | 1,501,000 | 2,312,000 | 3,132,000 |
| Interest expense | 140,000 | 292,000 | 448,000 | 625,000 |
| Net interest income | 584,000 | 1,209,000 | 1,864,000 | 2,507,000 |
| Noninterest income | 22,000 | 56,000 | 107,000 | 178,000 |
| Noninterest expense | 361,000 | 737,000 | 1,119,000 | 1,569,000 |
| Provision for loan losses | 27,000 | 55,000 | 117,000 | 167,000 |
| Pretax income | 218,000 | 473,000 | 735,000 | 949,000 |
| Income tax | 7,000 | 14,000 | 22,000 | 30,000 |
| Net income | 211,000 | 459,000 | 713,000 | 919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,646,000 | 6,787,000 | 6,921,000 | 6,760,000 |
| Total capital | 7,271,000 | 7,440,000 | 7,636,000 | 7,474,000 |
| Risk-weighted assets | 55,302,000 | 58,771,000 | 59,704,000 | 61,132,000 |