Call reports 2003
WESTERN BANK OF CHEYENNE — 2003
What WESTERN BANK OF CHEYENNE 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 | 64,333,000 | 63,325,000 | 65,650,000 | 65,029,000 |
| Total loans | 38,991,000 | 37,159,000 | 36,675,000 | 36,224,000 |
| Allowance for loan losses | 611,000 | 591,000 | 595,000 | 595,000 |
| Securities available for sale | 154,000 | 30,000 | 30,000 | 30,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,307,000 | 57,182,000 | 59,531,000 | 58,814,000 |
| Interest-bearing deposits | 48,810,000 | 47,773,000 | 49,449,000 | 49,684,000 |
| Noninterest-bearing deposits | 9,497,000 | 9,409,000 | 10,082,000 | 9,130,000 |
| Equity capital | 5,747,000 | 5,920,000 | 5,885,000 | 6,045,000 |
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 | 880,000 | 1,753,000 | 2,622,000 | 3,408,000 |
| Interest expense | 265,000 | 504,000 | 715,000 | 915,000 |
| Net interest income | 615,000 | 1,249,000 | 1,907,000 | 2,493,000 |
| Noninterest income | 63,000 | 134,000 | 216,000 | 292,000 |
| Noninterest expense | 445,000 | 885,000 | 1,344,000 | 1,815,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 228,000 | 493,000 | 774,000 | 965,000 |
| Income tax | 76,000 | 166,000 | 262,000 | 293,000 |
| Net income | 152,000 | 327,000 | 512,000 | 672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,744,000 | 5,920,000 | 5,885,000 | 6,045,000 |
| Total capital | 6,255,000 | 6,411,000 | 6,380,000 | 6,532,000 |
| Risk-weighted assets | 40,757,000 | 39,155,000 | 39,474,000 | 38,842,000 |