Call reports 2016
WESTERN NATIONAL BANK — 2016
What WESTERN NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 76,952,000 | 79,288,000 | 80,726,000 | 80,514,000 |
| Total loans | 63,368,000 | 66,698,000 | 67,097,000 | 66,474,000 |
| Allowance for loan losses | 790,000 | 804,000 | 803,000 | 804,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 789,000 | 989,000 | 1,105,000 | 680,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,226,000 | 70,470,000 | 69,738,000 | 71,668,000 |
| Interest-bearing deposits | 60,905,000 | 64,179,000 | 63,886,000 | 64,748,000 |
| Noninterest-bearing deposits | 7,321,000 | 6,291,000 | 5,852,000 | 6,920,000 |
| Equity capital | 8,536,000 | 8,632,000 | 8,802,000 | 8,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 807,000 | 1,617,000 | 2,470,000 | 3,302,000 |
| Interest expense | 179,000 | 360,000 | 546,000 | 737,000 |
| Net interest income | 628,000 | 1,257,000 | 1,924,000 | 2,565,000 |
| Noninterest income | 23,000 | 56,000 | 104,000 | 171,000 |
| Noninterest expense | 406,000 | 855,000 | 1,269,000 | 1,745,000 |
| Provision for loan losses | 45,000 | 45,000 | 45,000 | 45,000 |
| Pretax income | 200,000 | 413,000 | 714,000 | 946,000 |
| Income tax | 8,000 | 15,000 | 23,000 | 31,000 |
| Net income | 192,000 | 398,000 | 691,000 | 915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,921,000 | 7,019,000 | 7,190,000 | 7,049,000 |
| Total capital | 7,656,000 | 7,786,000 | 7,951,000 | 7,793,000 |
| Risk-weighted assets | 58,754,000 | 61,337,000 | 60,895,000 | 59,489,000 |