Call reports 2004
WESTERN BANK, GALLUP — 2004
What WESTERN BANK, GALLUP reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 100,843,000 | 109,474,000 | 107,066,000 | 110,363,000 |
| Total loans | 40,960,000 | 48,377,000 | 48,205,000 | 49,845,000 |
| Allowance for loan losses | 848,000 | 846,000 | 847,000 | 848,000 |
| Securities available for sale | 49,964,000 | 49,913,000 | 48,293,000 | 45,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,108,000 | 94,433,000 | 88,925,000 | 86,250,000 |
| Interest-bearing deposits | 80,395,000 | 87,893,000 | 84,580,000 | 80,570,000 |
| Noninterest-bearing deposits | 3,713,000 | 6,540,000 | 4,345,000 | 5,680,000 |
| Equity capital | 10,728,000 | 10,440,000 | 11,035,000 | 10,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,126,000 | 2,336,000 | 3,524,000 | 4,774,000 |
| Interest expense | 271,000 | 531,000 | 795,000 | 1,060,000 |
| Net interest income | 855,000 | 1,805,000 | 2,729,000 | 3,714,000 |
| Noninterest income | 175,000 | 366,000 | 577,000 | 777,000 |
| Noninterest expense | 687,000 | 1,385,000 | 2,091,000 | 2,774,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 10,000 |
| Pretax income | 343,000 | 786,000 | 1,228,000 | 1,741,000 |
| Income tax | 131,000 | 199,000 | 339,000 | 505,000 |
| Net income | 220,000 | 591,000 | 889,000 | 1,236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,899,000 | 7,270,000 | 7,568,000 | 7,515,000 |
| Total capital | 7,538,000 | 8,005,000 | 8,288,000 | 8,276,000 |
| Risk-weighted assets | 50,886,000 | 58,685,000 | 57,437,000 | 60,818,000 |