Call reports 2007
WESTERN BANK — 2007
What WESTERN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 65,107,000 | 66,166,000 | 66,057,000 | 64,233,000 |
| Total loans | 47,370,000 | 46,149,000 | 45,882,000 | 44,036,000 |
| Allowance for loan losses | 915,000 | 934,000 | 947,000 | 863,000 |
| Securities available for sale | 1,580,000 | 1,541,000 | 1,530,000 | 1,528,000 |
| Securities held to maturity | 6,834,000 | 6,625,000 | 7,029,000 | 8,594,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,302,000 | 49,575,000 | 49,325,000 | 47,556,000 |
| Interest-bearing deposits | 39,670,000 | 40,484,000 | 40,387,000 | 39,416,000 |
| Noninterest-bearing deposits | 8,632,000 | 9,091,000 | 8,938,000 | 8,140,000 |
| Equity capital | 8,359,000 | 8,394,000 | 8,551,000 | 8,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,222,000 | 2,445,000 | 3,729,000 | 4,895,000 |
| Interest expense | 349,000 | 752,000 | 1,158,000 | 1,540,000 |
| Net interest income | 873,000 | 1,693,000 | 2,571,000 | 3,355,000 |
| Noninterest income | 99,000 | 441,000 | 554,000 | 678,000 |
| Noninterest expense | 677,000 | 1,435,000 | 2,162,000 | 2,895,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 0 |
| Pretax income | 280,000 | 669,000 | 918,000 | 1,138,000 |
| Income tax | 108,000 | 259,000 | 359,000 | 413,000 |
| Net income | 172,000 | 410,000 | 559,000 | 725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,349,000 | 8,384,000 | 8,545,000 | 8,597,000 |
| Total capital | 8,838,000 | 8,862,000 | 9,041,000 | 9,102,000 |
| Risk-weighted assets | 38,659,000 | 37,749,000 | 39,177,000 | 40,024,000 |