Call reports 2022
WESTERN NATIONAL BANK — 2022
What WESTERN NATIONAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 255,499,000 | 251,437,000 | 259,378,000 | 248,914,000 |
| Total loans | 167,341,000 | 169,141,000 | 190,763,000 | 177,313,000 |
| Allowance for loan losses | 2,015,000 | 2,015,000 | 2,015,000 | 2,015,000 |
| Securities available for sale | 39,339,000 | 37,423,000 | 30,229,000 | 29,997,000 |
| Securities held to maturity | 195,000 | 4,731,000 | 4,734,000 | 4,723,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,673,000 | 227,924,000 | 229,446,000 | 217,768,000 |
| Interest-bearing deposits | 187,468,000 | 188,801,000 | 191,696,000 | 177,234,000 |
| Noninterest-bearing deposits | 42,205,000 | 39,123,000 | 37,750,000 | 40,534,000 |
| Equity capital | 21,633,000 | 20,415,000 | 19,612,000 | 19,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,110,000 | 4,288,000 | 6,652,000 | 9,096,000 |
| Interest expense | 269,000 | 509,000 | 792,000 | 1,205,000 |
| Net interest income | 1,841,000 | 3,779,000 | 5,860,000 | 7,891,000 |
| Noninterest income | 323,000 | 417,000 | 621,000 | 733,000 |
| Noninterest expense | 1,271,000 | 2,668,000 | 4,696,000 | 6,314,000 |
| Provision for loan losses | 175,000 | 175,000 | 175,000 | 3,154,000 |
| Pretax income | 718,000 | 1,353,000 | 1,673,000 | -781,000 |
| Income tax | 18,000 | 46,000 | 78,000 | 110,000 |
| Net income | 700,000 | 1,307,000 | 1,595,000 | -891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,331,000 | 20,648,000 | 20,465,000 | 19,736,000 |
| Total capital | 22,346,000 | 22,663,000 | 22,480,000 | 21,751,000 |
| Risk-weighted assets | 171,562,000 | 172,912,000 | 188,857,000 | 178,555,000 |