Call reports 2020
WESTERN NATIONAL BANK — 2020
What WESTERN NATIONAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 132,692,000 | 136,162,000 | 133,737,000 | 135,558,000 |
| Total loans | 110,217,000 | 115,635,000 | 113,754,000 | 107,983,000 |
| Allowance for loan losses | 1,617,000 | 1,619,000 | 1,717,000 | 1,729,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 325,000 | 325,000 | 225,000 | 210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,165,000 | 113,856,000 | 112,112,000 | 116,107,000 |
| Interest-bearing deposits | 101,455,000 | 101,514,000 | 100,950,000 | 102,965,000 |
| Noninterest-bearing deposits | 11,710,000 | 12,342,000 | 11,162,000 | 13,142,000 |
| Equity capital | 15,143,000 | 14,821,000 | 15,154,000 | 15,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,500,000 | 3,051,000 | 4,571,000 | 5,978,000 |
| Interest expense | 466,000 | 885,000 | 1,275,000 | 1,623,000 |
| Net interest income | 1,034,000 | 2,166,000 | 3,296,000 | 4,355,000 |
| Noninterest income | 60,000 | 187,000 | 321,000 | 424,000 |
| Noninterest expense | 645,000 | 1,283,000 | 1,920,000 | 2,684,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 100,000 |
| Pretax income | 449,000 | 1,070,000 | 1,597,000 | 1,995,000 |
| Income tax | 14,000 | 29,000 | 43,000 | 58,000 |
| Net income | 435,000 | 1,041,000 | 1,554,000 | 1,937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,320,000 | 12,003,000 | 12,341,000 | 12,201,000 |
| Total capital | 13,611,000 | — | — | — |
| Risk-weighted assets | 103,019,000 | — | — | — |