Call reports 2004
WESTERN BANK — 2004
What WESTERN BANK 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 | 66,603,000 | 67,097,000 | 64,723,000 | 62,145,000 |
| Total loans | 44,346,000 | 42,210,000 | 40,506,000 | 41,041,000 |
| Allowance for loan losses | 961,000 | 930,000 | 872,000 | 876,000 |
| Securities available for sale | 2,236,000 | 2,131,000 | 2,097,000 | 2,040,000 |
| Securities held to maturity | 12,594,000 | 12,406,000 | 12,180,000 | 11,185,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,816,000 | 54,587,000 | 52,204,000 | 52,250,000 |
| Interest-bearing deposits | 46,209,000 | 47,353,000 | 45,161,000 | 44,118,000 |
| Noninterest-bearing deposits | 6,607,000 | 7,234,000 | 7,043,000 | 8,132,000 |
| Equity capital | 8,439,000 | 8,491,000 | 8,576,000 | 7,756,000 |
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 | 1,042,000 | 2,045,000 | 3,077,000 | 4,099,000 |
| Interest expense | 203,000 | 404,000 | 600,000 | 797,000 |
| Net interest income | 839,000 | 1,641,000 | 2,477,000 | 3,302,000 |
| Noninterest income | 189,000 | 324,000 | 446,000 | 556,000 |
| Noninterest expense | 724,000 | 1,432,000 | 2,175,000 | 2,845,000 |
| Provision for loan losses | 20,000 | 39,000 | 59,000 | 78,000 |
| Pretax income | 292,000 | 502,000 | 697,000 | 943,000 |
| Income tax | 109,000 | 174,000 | 237,000 | 301,000 |
| Net income | 183,000 | 328,000 | 460,000 | 642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,442,000 | 8,486,000 | 8,579,000 | 7,758,000 |
| Total capital | 9,039,000 | 8,997,000 | 9,088,000 | 8,241,000 |
| Risk-weighted assets | 47,204,000 | 40,468,000 | 40,336,000 | 38,211,000 |