Call reports 2015
WESTERN BANK — 2015
What WESTERN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 67,441,000 | 66,080,000 | 64,902,000 | 66,108,000 |
| Total loans | 32,505,000 | 33,138,000 | 32,728,000 | 32,497,000 |
| Allowance for loan losses | 474,000 | 475,000 | 481,000 | 452,000 |
| Securities available for sale | 1,105,000 | 1,082,000 | 1,085,000 | 1,067,000 |
| Securities held to maturity | 20,747,000 | 19,328,000 | 19,341,000 | 19,909,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,125,000 | 46,886,000 | 45,713,000 | 46,905,000 |
| Interest-bearing deposits | 39,918,000 | 38,725,000 | 38,042,000 | 39,085,000 |
| Noninterest-bearing deposits | 8,207,000 | 8,161,000 | 7,671,000 | 7,820,000 |
| Equity capital | 9,792,000 | 9,699,000 | 9,711,000 | 9,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 786,000 | 1,560,000 | 2,326,000 | 3,084,000 |
| Interest expense | 58,000 | 118,000 | 179,000 | 238,000 |
| Net interest income | 728,000 | 1,442,000 | 2,147,000 | 2,846,000 |
| Noninterest income | 102,000 | 213,000 | 309,000 | 407,000 |
| Noninterest expense | 635,000 | 1,296,000 | 1,952,000 | 2,514,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 189,000 | 347,000 | 486,000 | 715,000 |
| Income tax | 74,000 | 146,000 | 215,000 | 247,000 |
| Net income | 115,000 | 201,000 | 271,000 | 468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,789,000 | 9,694,000 | 9,710,000 | 9,831,000 |
| Total capital | 10,239,000 | 10,156,000 | 10,165,000 | 10,285,000 |
| Risk-weighted assets | 35,699,000 | 36,967,000 | 36,197,000 | 36,287,000 |