Call reports 2012
WESTERN BANK — 2012
What WESTERN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 71,375,000 | 68,130,000 | 67,625,000 | 67,181,000 |
| Total loans | 37,003,000 | 36,489,000 | 37,400,000 | 35,620,000 |
| Allowance for loan losses | 435,000 | 494,000 | 487,000 | 482,000 |
| Securities available for sale | 1,270,000 | 1,273,000 | 1,266,000 | 1,244,000 |
| Securities held to maturity | 15,935,000 | 17,331,000 | 16,218,000 | 17,221,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,949,000 | 49,268,000 | 48,626,000 | 48,973,000 |
| Interest-bearing deposits | 41,783,000 | 41,146,000 | 41,144,000 | 40,911,000 |
| Noninterest-bearing deposits | 8,166,000 | 8,122,000 | 7,482,000 | 8,062,000 |
| Equity capital | 9,512,000 | 9,666,000 | 9,646,000 | 9,692,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 894,000 | 1,796,000 | 2,709,000 | 3,607,000 |
| Interest expense | 129,000 | 250,000 | 358,000 | 453,000 |
| Net interest income | 765,000 | 1,546,000 | 2,351,000 | 3,154,000 |
| Noninterest income | 32,000 | 198,000 | 194,000 | 223,000 |
| Noninterest expense | 737,000 | 1,535,000 | 2,241,000 | 2,866,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 60,000 | 209,000 | 304,000 | 511,000 |
| Income tax | 21,000 | -17,000 | 40,000 | 170,000 |
| Net income | 39,000 | 226,000 | 264,000 | 341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,500,000 | 9,646,000 | 9,621,000 | 9,674,000 |
| Total capital | 9,959,000 | 10,088,000 | 10,080,000 | 10,128,000 |
| Risk-weighted assets | 39,044,000 | 33,918,000 | 34,983,000 | 35,106,000 |