Call reports 2010
WESTERN BANK — 2010
What WESTERN BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 74,754,000 | 72,223,000 | 71,933,000 | 71,822,000 |
| Total loans | 37,544,000 | 38,016,000 | 39,318,000 | 38,808,000 |
| Allowance for loan losses | 550,000 | 583,000 | 602,000 | 572,000 |
| Securities available for sale | 1,365,000 | 1,367,000 | 1,351,000 | 1,314,000 |
| Securities held to maturity | 20,510,000 | 20,950,000 | 18,413,000 | 17,650,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,902,000 | 49,928,000 | 49,697,000 | 50,879,000 |
| Interest-bearing deposits | 41,334,000 | 40,278,000 | 42,065,000 | 43,600,000 |
| Noninterest-bearing deposits | 7,568,000 | 9,650,000 | 7,632,000 | 7,279,000 |
| Equity capital | 9,156,000 | 9,201,000 | 9,259,000 | 9,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 996,000 | 2,016,000 | 3,014,000 | 4,019,000 |
| Interest expense | 194,000 | 367,000 | 533,000 | 700,000 |
| Net interest income | 802,000 | 1,649,000 | 2,481,000 | 3,319,000 |
| Noninterest income | 121,000 | 265,000 | 379,000 | 786,000 |
| Noninterest expense | 765,000 | 1,542,000 | 2,301,000 | 3,469,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 128,000 | 312,000 | 499,000 | 576,000 |
| Income tax | 49,000 | 129,000 | 201,000 | 214,000 |
| Net income | 79,000 | 183,000 | 298,000 | 362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,159,000 | 9,199,000 | 9,252,000 | 9,267,000 |
| Total capital | 9,612,000 | 9,660,000 | 9,730,000 | 9,719,000 |
| Risk-weighted assets | 36,096,000 | 36,330,000 | 37,402,000 | 35,995,000 |