Call reports 2002
WESTERN NATIONAL BANK — 2002
What WESTERN NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 349,128,000 | 361,934,000 | 367,540,000 | 386,861,000 |
| Total loans | 277,031,000 | 283,651,000 | 292,241,000 | 314,263,000 |
| Allowance for loan losses | 3,739,000 | 3,676,000 | 3,585,000 | 3,273,000 |
| Securities available for sale | 20,895,000 | 18,367,000 | 17,512,000 | 25,703,000 |
| Securities held to maturity | 4,331,000 | 3,909,000 | 3,426,000 | 3,119,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,468,000 | 300,518,000 | 305,655,000 | 325,449,000 |
| Interest-bearing deposits | 202,107,000 | 212,533,000 | 217,561,000 | 226,959,000 |
| Noninterest-bearing deposits | 87,361,000 | 87,985,000 | 88,094,000 | 98,490,000 |
| Equity capital | 35,154,000 | 37,122,000 | 37,358,000 | 34,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,954,000 | 10,104,000 | 15,295,000 | 20,663,000 |
| Interest expense | 1,288,000 | 2,495,000 | 3,793,000 | 5,049,000 |
| Net interest income | 3,666,000 | 7,609,000 | 11,502,000 | 15,614,000 |
| Noninterest income | 786,000 | 1,672,000 | 2,561,000 | 3,390,000 |
| Noninterest expense | 2,830,000 | 5,206,000 | 7,770,000 | 10,803,000 |
| Provision for loan losses | 70,000 | 70,000 | 70,000 | -174,000 |
| Pretax income | 1,552,000 | 4,005,000 | 6,223,000 | 8,375,000 |
| Income tax | 1,000 | 10,000 | 10,000 | 24,000 |
| Net income | 1,551,000 | 3,995,000 | 6,213,000 | 8,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,183,000 | 36,974,000 | 37,096,000 | 33,764,000 |
| Total capital | 38,922,000 | 40,650,000 | 40,681,000 | 37,037,000 |
| Risk-weighted assets | 313,011,000 | 327,544,000 | 339,674,000 | 369,898,000 |