Call reports 2014
WESTERN BANK — 2014
What WESTERN BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 69,271,000 | 68,866,000 | 68,082,000 | 67,937,000 |
| Total loans | 34,237,000 | 33,807,000 | 33,821,000 | 33,483,000 |
| Allowance for loan losses | 449,000 | 461,000 | 473,000 | 468,000 |
| Securities available for sale | 1,113,000 | 1,116,000 | 1,105,000 | 1,105,000 |
| Securities held to maturity | 18,164,000 | 17,764,000 | 19,463,000 | 19,218,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,940,000 | 49,397,000 | 48,537,000 | 48,696,000 |
| Interest-bearing deposits | 41,103,000 | 41,962,000 | 41,070,000 | 40,590,000 |
| Noninterest-bearing deposits | 7,837,000 | 7,435,000 | 7,467,000 | 8,106,000 |
| Equity capital | 9,883,000 | 9,944,000 | 10,007,000 | 9,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 805,000 | 1,613,000 | 2,426,000 | 3,248,000 |
| Interest expense | 64,000 | 122,000 | 182,000 | 236,000 |
| Net interest income | 741,000 | 1,491,000 | 2,244,000 | 3,012,000 |
| Noninterest income | 92,000 | 189,000 | 294,000 | 401,000 |
| Noninterest expense | 675,000 | 1,339,000 | 2,013,000 | 2,730,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 36,000 |
| Pretax income | 146,000 | 317,000 | 489,000 | 647,000 |
| Income tax | 57,000 | 123,000 | 178,000 | 227,000 |
| Net income | 89,000 | 194,000 | 311,000 | 420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,877,000 | 9,943,000 | 10,004,000 | 9,726,000 |
| Total capital | 10,329,000 | 10,340,000 | 10,461,000 | 10,199,000 |
| Risk-weighted assets | 47,514,000 | 31,671,000 | 36,536,000 | 46,685,000 |