Call reports 2021
WESTERN NATIONAL BANK — 2021
What WESTERN NATIONAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 144,127,000 | 144,581,000 | 240,647,000 | 243,136,000 |
| Total loans | 111,239,000 | 113,694,000 | 174,477,000 | 178,081,000 |
| Allowance for loan losses | 1,716,000 | 1,717,000 | 1,717,000 | 1,866,000 |
| Securities available for sale | 0 | 0 | 20,350,000 | 25,907,000 |
| Securities held to maturity | 210,000 | 210,000 | 210,000 | 195,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,998,000 | 124,009,000 | 211,475,000 | 214,106,000 |
| Interest-bearing deposits | 106,191,000 | 106,762,000 | 178,909,000 | 177,017,000 |
| Noninterest-bearing deposits | 17,807,000 | 17,247,000 | 32,566,000 | 37,089,000 |
| Equity capital | 15,696,000 | 16,157,000 | 23,016,000 | 22,881,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,325,000 | 2,707,000 | 4,906,000 | 7,104,000 |
| Interest expense | 295,000 | 566,000 | 885,000 | 1,173,000 |
| Net interest income | 1,030,000 | 2,141,000 | 4,021,000 | 5,931,000 |
| Noninterest income | 313,000 | 608,000 | 762,000 | 938,000 |
| Noninterest expense | 640,000 | 1,319,000 | 2,625,000 | 4,194,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 703,000 | 1,430,000 | 2,160,000 | 2,527,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 70,000 |
| Net income | 688,000 | 1,400,000 | 2,115,000 | 2,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,894,000 | 13,360,000 | 19,673,000 | 19,623,000 |
| Total capital | — | — | — | 21,489,000 |
| Risk-weighted assets | — | — | — | 179,346,000 |