Call reports 2005
WESTERN BANK OF CHEYENNE — 2005
What WESTERN BANK OF CHEYENNE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 75,076,000 | 74,795,000 | 77,772,000 | 76,865,000 |
| Total loans | 44,560,000 | 46,821,000 | 45,781,000 | 47,227,000 |
| Allowance for loan losses | 602,000 | 619,000 | 649,000 | 668,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 249,000 | 349,000 | 350,000 | 297,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,306,000 | 67,831,000 | 70,481,000 | 69,460,000 |
| Interest-bearing deposits | 57,667,000 | 56,858,000 | 57,776,000 | 56,720,000 |
| Noninterest-bearing deposits | 10,639,000 | 10,973,000 | 12,705,000 | 12,740,000 |
| Equity capital | 6,540,000 | 6,756,000 | 6,994,000 | 7,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 905,000 | 1,883,000 | 2,963,000 | 4,062,000 |
| Interest expense | 224,000 | 483,000 | 785,000 | 1,117,000 |
| Net interest income | 681,000 | 1,400,000 | 2,178,000 | 2,945,000 |
| Noninterest income | 70,000 | 147,000 | 243,000 | 317,000 |
| Noninterest expense | 450,000 | 892,000 | 1,361,000 | 1,827,000 |
| Provision for loan losses | 9,000 | 26,000 | 56,000 | 79,000 |
| Pretax income | 292,000 | 629,000 | 1,004,000 | 1,356,000 |
| Income tax | 102,000 | 222,000 | 360,000 | 459,000 |
| Net income | 190,000 | 407,000 | 644,000 | 897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,540,000 | 6,756,000 | 6,994,000 | 7,124,000 |
| Total capital | 7,125,000 | 7,364,000 | 7,538,000 | 7,684,000 |
| Risk-weighted assets | 46,799,000 | 47,881,000 | 42,628,000 | 43,954,000 |