Call reports 2025
WESTERN NATIONAL BANK — 2025
What WESTERN NATIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 245,902,000 | 245,266,000 | 244,204,000 | 244,628,000 |
| Total loans | 195,404,000 | 192,567,000 | 195,547,000 | 199,669,000 |
| Allowance for loan losses | 2,259,000 | 2,248,000 | 2,248,000 | 2,339,000 |
| Securities available for sale | 18,864,000 | 18,792,000 | 19,165,000 | 18,922,000 |
| Securities held to maturity | 706,000 | 705,000 | 703,000 | 687,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,103,000 | 221,591,000 | 218,511,000 | 219,523,000 |
| Interest-bearing deposits | 184,814,000 | 188,568,000 | 184,314,000 | 184,409,000 |
| Noninterest-bearing deposits | 37,289,000 | 33,023,000 | 34,197,000 | 35,114,000 |
| Equity capital | 22,318,000 | 22,206,000 | 23,277,000 | 23,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,299,000 | 6,659,000 | 10,092,000 | 13,552,000 |
| Interest expense | 1,170,000 | 2,330,000 | 3,488,000 | 4,604,000 |
| Net interest income | 2,129,000 | 4,329,000 | 6,604,000 | 8,948,000 |
| Noninterest income | 90,000 | 176,000 | 283,000 | 501,000 |
| Noninterest expense | 1,494,000 | 3,034,000 | 4,574,000 | 6,245,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 725,000 | 1,471,000 | 2,313,000 | 3,104,000 |
| Income tax | 18,000 | 36,000 | 54,000 | 72,000 |
| Net income | 707,000 | 1,435,000 | 2,259,000 | 3,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,958,000 | 21,838,000 | 22,422,000 | 22,727,000 |
| Total capital | 24,218,000 | 24,087,000 | 24,671,000 | 25,066,000 |
| Risk-weighted assets | 190,049,000 | 187,194,000 | 188,545,000 | 191,667,000 |