Call reports 2013
WESTERN BANK — 2013
What WESTERN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 70,229,000 | 68,596,000 | 67,527,000 | 68,583,000 |
| Total loans | 35,610,000 | 34,158,000 | 34,079,000 | 34,143,000 |
| Allowance for loan losses | 486,000 | 499,000 | 427,000 | 439,000 |
| Securities available for sale | 1,223,000 | 1,166,000 | 1,141,000 | 1,116,000 |
| Securities held to maturity | 19,670,000 | 18,983,000 | 18,327,000 | 17,959,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,940,000 | 48,407,000 | 47,529,000 | 48,811,000 |
| Interest-bearing deposits | 41,809,000 | 40,881,000 | 40,047,000 | 41,428,000 |
| Noninterest-bearing deposits | 8,131,000 | 7,526,000 | 7,482,000 | 7,383,000 |
| Equity capital | 9,717,000 | 9,755,000 | 9,790,000 | 9,844,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 861,000 | 1,714,000 | 2,564,000 | 3,423,000 |
| Interest expense | 90,000 | 179,000 | 256,000 | 326,000 |
| Net interest income | 771,000 | 1,535,000 | 2,308,000 | 3,097,000 |
| Noninterest income | 85,000 | 173,000 | 255,000 | 357,000 |
| Noninterest expense | 700,000 | 1,373,000 | 2,068,000 | 2,720,000 |
| Provision for loan losses | 8,000 | 20,000 | 32,000 | 44,000 |
| Pretax income | 148,000 | 315,000 | 463,000 | 690,000 |
| Income tax | 57,000 | 127,000 | 193,000 | 296,000 |
| Net income | 91,000 | 188,000 | 270,000 | 394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,703,000 | 9,754,000 | 9,787,000 | 9,835,000 |
| Total capital | 10,158,000 | 10,184,000 | 10,211,000 | 10,258,000 |
| Risk-weighted assets | 35,427,000 | 34,353,000 | 33,947,000 | 33,792,000 |