Call reports 2003
WESTERN BANK — 2003
What WESTERN BANK 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 | 68,873,000 | 70,151,000 | 69,754,000 | 66,862,000 |
| Total loans | 43,307,000 | 44,787,000 | 44,921,000 | 43,481,000 |
| Allowance for loan losses | 1,132,000 | 1,215,000 | 1,186,000 | 992,000 |
| Securities available for sale | 2,773,000 | 2,639,000 | 2,476,000 | 2,328,000 |
| Securities held to maturity | 9,407,000 | 9,964,000 | 12,547,000 | 13,480,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,580,000 | 57,886,000 | 57,983,000 | 55,160,000 |
| Interest-bearing deposits | 49,588,000 | 50,603,000 | 50,100,000 | 48,624,000 |
| Noninterest-bearing deposits | 6,992,000 | 7,283,000 | 7,883,000 | 6,536,000 |
| Equity capital | 8,147,000 | 8,242,000 | 8,317,000 | 8,336,000 |
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 | 1,110,000 | 2,227,000 | 3,332,000 | 4,395,000 |
| Interest expense | 324,000 | 621,000 | 893,000 | 1,128,000 |
| Net interest income | 786,000 | 1,606,000 | 2,439,000 | 3,267,000 |
| Noninterest income | 131,000 | 367,000 | 520,000 | 683,000 |
| Noninterest expense | 709,000 | 1,489,000 | 2,189,000 | 2,989,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 208,000 | 484,000 | 770,000 | 961,000 |
| Income tax | 75,000 | 172,000 | 282,000 | 356,000 |
| Net income | 133,000 | 312,000 | 488,000 | 605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,150,000 | 8,234,000 | 8,317,000 | 8,339,000 |
| Total capital | 8,797,000 | 8,927,000 | 8,946,000 | 8,924,000 |
| Risk-weighted assets | 50,857,000 | 53,992,000 | 49,414,000 | 46,402,000 |