Call reports 2004
WESTERN BANK OF CHEYENNE — 2004
What WESTERN BANK OF CHEYENNE 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 | 68,776,000 | 70,894,000 | 71,632,000 | 69,514,000 |
| Total loans | 36,039,000 | 39,744,000 | 40,839,000 | 40,904,000 |
| Allowance for loan losses | 594,000 | 596,000 | 595,000 | 593,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 129,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,578,000 | 64,578,000 | 65,099,000 | 63,027,000 |
| Interest-bearing deposits | 51,887,000 | 53,222,000 | 53,773,000 | 53,203,000 |
| Noninterest-bearing deposits | 10,691,000 | 11,356,000 | 11,326,000 | 9,824,000 |
| Equity capital | 5,995,000 | 6,164,000 | 6,348,000 | 6,350,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 783,000 | 1,620,000 | 2,486,000 | 3,335,000 |
| Interest expense | 192,000 | 391,000 | 594,000 | 807,000 |
| Net interest income | 591,000 | 1,229,000 | 1,892,000 | 2,528,000 |
| Noninterest income | 69,000 | 147,000 | 230,000 | 309,000 |
| Noninterest expense | 445,000 | 904,000 | 1,373,000 | 1,833,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 215,000 | 472,000 | 749,000 | 1,004,000 |
| Income tax | 73,000 | 161,000 | 255,000 | 307,000 |
| Net income | 142,000 | 311,000 | 494,000 | 697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,995,000 | 6,164,000 | 6,348,000 | 6,350,000 |
| Total capital | 6,501,000 | 6,688,000 | 6,889,000 | 6,889,000 |
| Risk-weighted assets | 39,652,000 | 41,794,000 | 43,251,000 | 43,016,000 |