Call reports 2002
WESTERN BANK — 2002
What WESTERN BANK 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 | 71,121,000 | 71,182,000 | 68,816,000 | 68,990,000 |
| Total loans | 46,505,000 | 46,349,000 | 45,507,000 | 44,185,000 |
| Allowance for loan losses | 543,000 | 2,015,000 | 1,494,000 | 1,138,000 |
| Securities available for sale | 2,289,000 | 2,115,000 | 2,012,000 | 1,878,000 |
| Securities held to maturity | 11,947,000 | 11,045,000 | 9,849,000 | 8,824,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,415,000 | 58,268,000 | 55,857,000 | 56,323,000 |
| Interest-bearing deposits | 49,279,000 | 51,476,000 | 48,508,000 | 49,652,000 |
| Noninterest-bearing deposits | 7,136,000 | 6,792,000 | 7,349,000 | 6,671,000 |
| Equity capital | 8,986,000 | 7,814,000 | 8,011,000 | 8,055,000 |
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 | 1,285,000 | 2,509,000 | 3,735,000 | 4,923,000 |
| Interest expense | 501,000 | 960,000 | 1,379,000 | 1,759,000 |
| Net interest income | 784,000 | 1,549,000 | 2,356,000 | 3,164,000 |
| Noninterest income | 168,000 | 281,000 | 433,000 | 556,000 |
| Noninterest expense | 685,000 | 1,387,000 | 2,154,000 | 2,943,000 |
| Provision for loan losses | 118,000 | 2,308,000 | 2,308,000 | 2,286,000 |
| Pretax income | 149,000 | -1,865,000 | -1,673,000 | -1,509,000 |
| Income tax | 57,000 | -788,000 | -790,000 | -667,000 |
| Net income | 92,000 | -1,077,000 | -883,000 | -842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,001,000 | 7,832,000 | 8,026,000 | 8,067,000 |
| Total capital | 9,544,000 | 8,464,000 | 8,655,000 | 8,709,000 |
| Risk-weighted assets | 50,997,000 | 49,149,000 | 49,425,000 | 50,885,000 |