Call reports 2003
WESTERN BANK, GALLUP — 2003
What WESTERN BANK, GALLUP reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 93,477,000 | 95,677,000 | 101,259,000 | 113,936,000 |
| Total loans | 38,545,000 | 40,437,000 | 42,012,000 | 41,906,000 |
| Allowance for loan losses | 833,000 | 842,000 | 845,000 | 847,000 |
| Securities available for sale | 43,342,000 | 41,627,000 | 41,407,000 | 60,241,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,271,000 | 77,108,000 | 82,972,000 | 93,770,000 |
| Interest-bearing deposits | 77,649,000 | 72,344,000 | 79,846,000 | 90,482,000 |
| Noninterest-bearing deposits | 2,622,000 | 4,764,000 | 3,126,000 | 3,288,000 |
| Equity capital | 10,384,000 | 10,508,000 | 10,578,000 | 10,350,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,087,000 | 2,246,000 | 3,362,000 | 4,500,000 |
| Interest expense | 304,000 | 602,000 | 883,000 | 1,172,000 |
| Net interest income | 783,000 | 1,644,000 | 2,479,000 | 3,328,000 |
| Noninterest income | 172,000 | 352,000 | 535,000 | 721,000 |
| Noninterest expense | 663,000 | 1,460,000 | 2,182,000 | 2,857,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 292,000 | 536,000 | 832,000 | 1,192,000 |
| Income tax | 95,000 | 166,000 | 253,000 | 387,000 |
| Net income | 184,000 | 357,000 | 566,000 | 792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,471,000 | 6,643,000 | 6,853,000 | 6,679,000 |
| Total capital | 7,067,000 | 7,462,000 | 7,522,000 | 7,364,000 |
| Risk-weighted assets | 47,414,000 | 65,455,000 | 53,378,000 | 54,657,000 |