Call reports 2002
WESTERN BANK OF CHEYENNE — 2002
What WESTERN BANK OF CHEYENNE 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 | 53,860,000 | 55,244,000 | 59,831,000 | 62,062,000 |
| Total loans | 35,593,000 | 37,923,000 | 38,172,000 | 39,380,000 |
| Allowance for loan losses | 556,000 | 578,000 | 577,000 | 599,000 |
| Securities available for sale | 403,000 | 154,000 | 154,000 | 154,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,422,000 | 49,671,000 | 54,171,000 | 56,233,000 |
| Interest-bearing deposits | 40,382,000 | 41,953,000 | 44,397,000 | 46,885,000 |
| Noninterest-bearing deposits | 8,039,000 | 7,718,000 | 9,774,000 | 9,348,000 |
| Equity capital | 5,169,000 | 5,316,000 | 5,455,000 | 5,595,000 |
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 | 886,000 | 1,759,000 | 2,622,000 | 3,520,000 |
| Interest expense | 289,000 | 566,000 | 849,000 | 1,134,000 |
| Net interest income | 597,000 | 1,193,000 | 1,773,000 | 2,386,000 |
| Noninterest income | 65,000 | 137,000 | 214,000 | 282,000 |
| Noninterest expense | 443,000 | 875,000 | 1,297,000 | 1,743,000 |
| Provision for loan losses | 22,000 | 42,000 | 67,000 | 82,000 |
| Pretax income | 197,000 | 413,000 | 623,000 | 843,000 |
| Income tax | 70,000 | 140,000 | 212,000 | 292,000 |
| Net income | 127,000 | 273,000 | 411,000 | 551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,169,000 | 5,315,000 | 5,453,000 | 5,592,000 |
| Total capital | 5,662,000 | 5,851,000 | 5,944,000 | 6,100,000 |
| Risk-weighted assets | 39,372,000 | 42,804,000 | 39,231,000 | 40,526,000 |