Call reports 2019
WESTERN NATIONAL BANK — 2019
What WESTERN NATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 130,581,000 | 130,564,000 | 133,349,000 | 133,358,000 |
| Total loans | 110,615,000 | 110,682,000 | 114,080,000 | 110,256,000 |
| Allowance for loan losses | 1,560,000 | 1,543,000 | 1,544,000 | 1,615,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 445,000 | 445,000 | 340,000 | 325,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,409,000 | 109,468,000 | 112,214,000 | 114,292,000 |
| Interest-bearing deposits | 100,453,000 | 99,154,000 | 103,439,000 | 103,847,000 |
| Noninterest-bearing deposits | 10,956,000 | 10,314,000 | 8,775,000 | 10,445,000 |
| Equity capital | 14,621,000 | 14,222,000 | 14,556,000 | 14,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,481,000 | 3,050,000 | 4,665,000 | 6,270,000 |
| Interest expense | 410,000 | 856,000 | 1,337,000 | 1,828,000 |
| Net interest income | 1,071,000 | 2,194,000 | 3,328,000 | 4,442,000 |
| Noninterest income | 60,000 | 115,000 | 197,000 | 287,000 |
| Noninterest expense | 628,000 | 1,291,000 | 1,958,000 | 2,690,000 |
| Provision for loan losses | 200,000 | 200,000 | 200,000 | 200,000 |
| Pretax income | 303,000 | 818,000 | 1,367,000 | 1,839,000 |
| Income tax | 18,000 | 35,000 | 53,000 | 70,000 |
| Net income | 285,000 | 783,000 | 1,314,000 | 1,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,012,000 | 11,618,000 | 11,822,000 | 11,880,000 |
| Total capital | 13,321,000 | 12,913,000 | 13,183,000 | 13,180,000 |
| Risk-weighted assets | 104,529,000 | 103,413,000 | 108,698,000 | 103,708,000 |