Call reports 2006
WESTERN BANK OF CHEYENNE — 2006
What WESTERN BANK OF CHEYENNE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 77,765,000 | 78,243,000 | 79,452,000 | 80,564,000 |
| Total loans | 48,469,000 | 49,652,000 | 49,192,000 | 49,598,000 |
| Allowance for loan losses | 695,000 | 697,000 | 727,000 | 734,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 298,000 | 299,000 | 300,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,136,000 | 70,292,000 | 71,276,000 | 72,272,000 |
| Interest-bearing deposits | 56,781,000 | 57,084,000 | 58,270,000 | 58,326,000 |
| Noninterest-bearing deposits | 13,356,000 | 13,208,000 | 13,006,000 | 13,946,000 |
| Equity capital | 7,329,000 | 7,583,000 | 7,728,000 | 8,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,163,000 | 2,401,000 | 3,760,000 | 5,133,000 |
| Interest expense | 373,000 | 814,000 | 1,301,000 | 1,826,000 |
| Net interest income | 790,000 | 1,587,000 | 2,459,000 | 3,307,000 |
| Noninterest income | 74,000 | 161,000 | 242,000 | 281,000 |
| Noninterest expense | 489,000 | 986,000 | 1,463,000 | 1,926,000 |
| Provision for loan losses | 27,000 | 29,000 | 59,000 | 67,000 |
| Pretax income | 348,000 | 733,000 | 1,179,000 | 1,595,000 |
| Income tax | 142,000 | 274,000 | 438,000 | 581,000 |
| Net income | 206,000 | 459,000 | 741,000 | 1,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,329,000 | 7,583,000 | 7,728,000 | 8,000,000 |
| Total capital | 7,902,000 | 8,170,000 | 8,314,000 | 8,593,000 |
| Risk-weighted assets | 45,250,000 | 46,146,000 | 46,046,000 | 51,077,000 |