Call reports 2003
WESTERN NATIONAL BANK — 2003
What WESTERN NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 388,137,000 | 406,585,000 | 440,160,000 | 454,782,000 |
| Total loans | 300,589,000 | 307,548,000 | 313,144,000 | 315,442,000 |
| Allowance for loan losses | 3,196,000 | 3,422,000 | 3,497,000 | 3,573,000 |
| Securities available for sale | 37,218,000 | 53,774,000 | 60,742,000 | 87,179,000 |
| Securities held to maturity | 2,823,000 | 2,540,000 | 2,240,000 | 2,011,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,765,000 | 318,923,000 | 335,710,000 | 350,732,000 |
| Interest-bearing deposits | 222,772,000 | 223,135,000 | 232,869,000 | 235,475,000 |
| Noninterest-bearing deposits | 92,993,000 | 95,788,000 | 102,841,000 | 115,257,000 |
| Equity capital | 34,772,000 | 36,309,000 | 35,764,000 | 36,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,060,000 | 10,337,000 | 15,569,000 | 20,893,000 |
| Interest expense | 1,152,000 | 2,303,000 | 3,451,000 | 4,604,000 |
| Net interest income | 3,908,000 | 8,034,000 | 12,118,000 | 16,289,000 |
| Noninterest income | 866,000 | 1,766,000 | 2,783,000 | 3,873,000 |
| Noninterest expense | 2,629,000 | 5,258,000 | 8,096,000 | 11,349,000 |
| Provision for loan losses | 8,000 | 252,000 | 344,000 | 419,000 |
| Pretax income | 2,137,000 | 4,290,000 | 6,468,000 | 8,401,000 |
| Income tax | 0 | 0 | 24,000 | 32,000 |
| Net income | 2,137,000 | 4,290,000 | 6,444,000 | 8,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,424,000 | 35,641,000 | 36,204,000 | 36,348,000 |
| Total capital | 37,620,000 | 39,063,000 | 39,701,000 | 39,921,000 |
| Risk-weighted assets | 353,423,000 | 367,199,000 | 381,091,000 | 387,827,000 |