Call reports 2024
WESTERN NATIONAL BANK — 2024
What WESTERN NATIONAL BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 243,034,000 | 240,861,000 | 240,366,000 | 249,780,000 |
| Total loans | 187,623,000 | 187,793,000 | 191,608,000 | 202,186,000 |
| Allowance for loan losses | 2,191,000 | 2,191,000 | 2,191,000 | 2,260,000 |
| Securities available for sale | 24,415,000 | 20,896,000 | 21,558,000 | 20,598,000 |
| Securities held to maturity | 3,723,000 | 725,000 | 724,000 | 708,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,928,000 | 218,165,000 | 211,588,000 | 211,675,000 |
| Interest-bearing deposits | 172,531,000 | 184,684,000 | 180,342,000 | 177,105,000 |
| Noninterest-bearing deposits | 39,397,000 | 33,481,000 | 31,246,000 | 34,570,000 |
| Equity capital | 21,295,000 | 21,280,000 | 22,281,000 | 21,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,991,000 | 6,070,000 | 9,322,000 | 12,643,000 |
| Interest expense | 1,107,000 | 2,257,000 | 3,465,000 | 4,718,000 |
| Net interest income | 1,884,000 | 3,813,000 | 5,857,000 | 7,925,000 |
| Noninterest income | 95,000 | 249,000 | 349,000 | 449,000 |
| Noninterest expense | 1,435,000 | 2,891,000 | 4,375,000 | 6,010,000 |
| Provision for loan losses | 150,000 | 150,000 | 150,000 | 220,000 |
| Pretax income | 394,000 | 1,021,000 | 1,681,000 | 2,144,000 |
| Income tax | 18,000 | 36,000 | 54,000 | 72,000 |
| Net income | 376,000 | 985,000 | 1,627,000 | 2,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,222,000 | 21,228,000 | 21,569,000 | 21,258,000 |
| Total capital | 23,413,000 | 23,420,000 | 23,761,000 | 23,518,000 |
| Risk-weighted assets | 182,083,000 | 183,104,000 | 186,013,000 | 195,996,000 |