Call reports 2002
FIRST WESTERN BANK CUSTER — 2002
What FIRST WESTERN BANK CUSTER reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 76,560,000 | 79,945,000 | 91,468,000 | 88,085,000 |
| Total loans | 54,457,000 | 57,196,000 | 55,999,000 | 58,319,000 |
| Allowance for loan losses | 773,000 | 800,000 | 815,000 | 862,000 |
| Securities available for sale | 15,853,000 | 15,234,000 | 22,281,000 | 23,186,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,815,000 | 66,781,000 | 77,853,000 | 74,178,000 |
| Interest-bearing deposits | 50,378,000 | 55,624,000 | 63,883,000 | 63,347,000 |
| Noninterest-bearing deposits | 8,437,000 | 11,157,000 | 13,970,000 | 10,831,000 |
| Equity capital | 7,412,000 | 7,827,000 | 8,278,000 | 8,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,275,000 | 2,590,000 | 3,967,000 | 5,362,000 |
| Interest expense | 456,000 | 920,000 | 1,405,000 | 1,870,000 |
| Net interest income | 819,000 | 1,670,000 | 2,562,000 | 3,492,000 |
| Noninterest income | 74,000 | 173,000 | 258,000 | 333,000 |
| Noninterest expense | 528,000 | 1,013,000 | 1,497,000 | 2,070,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 135,000 |
| Pretax income | 335,000 | 770,000 | 1,233,000 | 1,620,000 |
| Income tax | 17,000 | 38,000 | 52,000 | 68,000 |
| Net income | 318,000 | 732,000 | 1,181,000 | 1,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,150,000 | 7,434,000 | 7,763,000 | 8,134,000 |
| Total capital | 7,870,000 | 8,187,000 | 8,562,000 | 8,933,000 |
| Risk-weighted assets | 57,554,000 | 60,224,000 | 63,909,000 | 63,887,000 |