Call reports 2016
WESTERN BANK — 2016
What WESTERN BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 65,704,000 | 65,893,000 | 66,304,000 | 64,964,000 |
| Total loans | 32,746,000 | 32,493,000 | 32,985,000 | 33,197,000 |
| Allowance for loan losses | 461,000 | 448,000 | 420,000 | 413,000 |
| Securities available for sale | 1,073,000 | 1,060,000 | 1,044,000 | 1,006,000 |
| Securities held to maturity | 19,573,000 | 17,417,000 | 15,792,000 | 16,104,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,498,000 | 46,683,000 | 47,078,000 | 45,686,000 |
| Interest-bearing deposits | 37,747,000 | 38,034,000 | 38,047,000 | 36,791,000 |
| Noninterest-bearing deposits | 8,751,000 | 8,649,000 | 9,031,000 | 8,895,000 |
| Equity capital | 9,851,000 | 9,922,000 | 9,985,000 | 10,033,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 756,000 | 1,480,000 | 2,195,000 | 2,912,000 |
| Interest expense | 59,000 | 121,000 | 187,000 | 251,000 |
| Net interest income | 697,000 | 1,359,000 | 2,008,000 | 2,661,000 |
| Noninterest income | 90,000 | 160,000 | 237,000 | 307,000 |
| Noninterest expense | 609,000 | 1,224,000 | 1,831,000 | 2,465,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 169,000 | 277,000 | 387,000 | 467,000 |
| Income tax | 65,000 | 106,000 | 136,000 | 149,000 |
| Net income | 104,000 | 171,000 | 251,000 | 318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,848,000 | 9,922,000 | 9,985,000 | 10,024,000 |
| Total capital | 10,307,000 | 10,375,000 | 10,417,000 | 10,465,000 |
| Risk-weighted assets | 36,441,000 | 35,736,000 | 36,705,000 | 36,323,000 |