Call reports 2009
WESTERN BANK — 2009
What WESTERN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 69,784,000 | 70,222,000 | 72,768,000 | 78,380,000 |
| Total loans | 41,003,000 | 41,118,000 | 40,653,000 | 39,051,000 |
| Allowance for loan losses | 671,000 | 678,000 | 621,000 | 408,000 |
| Securities available for sale | 1,429,000 | 1,401,000 | 1,401,000 | 1,375,000 |
| Securities held to maturity | 7,433,000 | 7,622,000 | 12,209,000 | 13,338,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,160,000 | 47,525,000 | 52,986,000 | 52,538,000 |
| Interest-bearing deposits | 37,745,000 | 39,146,000 | 44,759,000 | 45,377,000 |
| Noninterest-bearing deposits | 9,415,000 | 8,379,000 | 8,227,000 | 7,161,000 |
| Equity capital | 8,883,000 | 8,977,000 | 9,024,000 | 9,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,043,000 | 2,105,000 | 3,114,000 | 4,149,000 |
| Interest expense | 309,000 | 583,000 | 843,000 | 1,064,000 |
| Net interest income | 734,000 | 1,522,000 | 2,271,000 | 3,085,000 |
| Noninterest income | 114,000 | 229,000 | 341,000 | 458,000 |
| Noninterest expense | 664,000 | 1,365,000 | 2,090,000 | 2,871,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 178,000 | 374,000 | 504,000 | 648,000 |
| Income tax | 69,000 | 145,000 | 195,000 | 232,000 |
| Net income | 109,000 | 229,000 | 309,000 | 416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,884,000 | 8,976,000 | 9,029,000 | 9,071,000 |
| Total capital | 9,373,000 | 9,472,000 | 9,528,000 | 9,503,000 |
| Risk-weighted assets | 38,910,000 | 39,503,000 | 39,775,000 | 39,343,000 |