Call reports 2006
WESTERN BANK — 2006
What WESTERN BANK 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 | 62,131,000 | 61,093,000 | 63,220,000 | 64,075,000 |
| Total loans | 42,101,000 | 42,761,000 | 44,647,000 | 45,876,000 |
| Allowance for loan losses | 810,000 | 843,000 | 860,000 | 893,000 |
| Securities available for sale | 1,723,000 | 1,667,000 | 1,646,000 | 1,618,000 |
| Securities held to maturity | 7,622,000 | 7,122,000 | 6,530,000 | 6,290,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,303,000 | 49,898,000 | 50,509,000 | 50,984,000 |
| Interest-bearing deposits | 42,418,000 | 40,679,000 | 41,585,000 | 41,089,000 |
| Noninterest-bearing deposits | 8,885,000 | 9,219,000 | 8,924,000 | 9,895,000 |
| Equity capital | 8,005,000 | 8,106,000 | 8,202,000 | 8,276,000 |
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 | 1,057,000 | 2,170,000 | 3,319,000 | 4,521,000 |
| Interest expense | 253,000 | 525,000 | 818,000 | 1,144,000 |
| Net interest income | 804,000 | 1,645,000 | 2,501,000 | 3,377,000 |
| Noninterest income | 118,000 | 242,000 | 350,000 | 541,000 |
| Noninterest expense | 755,000 | 1,479,000 | 2,171,000 | 2,859,000 |
| Provision for loan losses | 33,000 | 66,000 | 99,000 | 132,000 |
| Pretax income | 134,000 | 342,000 | 581,000 | 927,000 |
| Income tax | 52,000 | 100,000 | 193,000 | 334,000 |
| Net income | 82,000 | 242,000 | 388,000 | 593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,996,000 | 8,092,000 | 8,198,000 | 8,271,000 |
| Total capital | 8,438,000 | 8,585,000 | 8,678,000 | 8,752,000 |
| Risk-weighted assets | 34,999,000 | 39,094,000 | 38,005,000 | 38,081,000 |