Call reports 2005
WESTERN BANK — 2005
What WESTERN BANK 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 | 59,689,000 | 60,358,000 | 61,521,000 | 61,962,000 |
| Total loans | 40,581,000 | 42,199,000 | 40,974,000 | 41,973,000 |
| Allowance for loan losses | 864,000 | 771,000 | 785,000 | 774,000 |
| Securities available for sale | 1,979,000 | 1,923,000 | 1,851,000 | 1,791,000 |
| Securities held to maturity | 10,476,000 | 9,666,000 | 8,815,000 | 8,053,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,323,000 | 50,372,000 | 51,220,000 | 51,147,000 |
| Interest-bearing deposits | 42,623,000 | 41,717,000 | 42,706,000 | 42,491,000 |
| Noninterest-bearing deposits | 7,700,000 | 8,655,000 | 8,514,000 | 8,656,000 |
| Equity capital | 7,779,000 | 7,859,000 | 7,907,000 | 7,986,000 |
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 | 947,000 | 1,963,000 | 2,980,000 | 4,102,000 |
| Interest expense | 174,000 | 368,000 | 581,000 | 824,000 |
| Net interest income | 773,000 | 1,595,000 | 2,399,000 | 3,278,000 |
| Noninterest income | 104,000 | 256,000 | 394,000 | 505,000 |
| Noninterest expense | 735,000 | 1,476,000 | 2,199,000 | 2,895,000 |
| Provision for loan losses | 30,000 | 56,000 | 84,000 | 121,000 |
| Pretax income | 112,000 | 319,000 | 510,000 | 767,000 |
| Income tax | 38,000 | 111,000 | 184,000 | 284,000 |
| Net income | 74,000 | 208,000 | 326,000 | 483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,776,000 | 7,864,000 | 7,906,000 | 7,983,000 |
| Total capital | 8,249,000 | 8,353,000 | 8,348,000 | 8,439,000 |
| Risk-weighted assets | 37,406,000 | 38,824,000 | 35,024,000 | 36,109,000 |