Call reports 2004
WESTERN NATIONAL BANK — 2004
What WESTERN NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 500,279,000 | 511,535,000 | 527,877,000 | 523,463,000 |
| Total loans | 317,324,000 | 325,932,000 | 328,302,000 | 342,194,000 |
| Allowance for loan losses | 3,397,000 | 3,531,000 | 3,599,000 | 3,599,000 |
| Securities available for sale | 113,285,000 | 115,175,000 | 143,316,000 | 133,314,000 |
| Securities held to maturity | 1,744,000 | 1,610,000 | 1,477,000 | 1,378,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 372,892,000 | 363,831,000 | 365,699,000 | 363,780,000 |
| Interest-bearing deposits | 254,563,000 | 244,248,000 | 239,608,000 | 230,497,000 |
| Noninterest-bearing deposits | 118,329,000 | 119,583,000 | 126,091,000 | 133,283,000 |
| Equity capital | 38,347,000 | 49,853,000 | 52,658,000 | 51,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,514,000 | 11,193,000 | 17,454,000 | 24,217,000 |
| Interest expense | 1,157,000 | 2,418,000 | 3,800,000 | 5,428,000 |
| Net interest income | 4,357,000 | 8,775,000 | 13,654,000 | 18,789,000 |
| Noninterest income | 1,221,000 | 2,178,000 | 3,190,000 | 4,304,000 |
| Noninterest expense | 2,955,000 | 5,933,000 | 9,144,000 | 12,692,000 |
| Provision for loan losses | 0 | 210,000 | 291,000 | 503,000 |
| Pretax income | 2,623,000 | 4,810,000 | 7,409,000 | 9,898,000 |
| Income tax | 0 | 8,000 | 8,000 | 8,000 |
| Net income | 2,623,000 | 4,802,000 | 7,401,000 | 9,890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,937,000 | 52,100,000 | 52,862,000 | 52,000,000 |
| Total capital | 41,334,000 | 55,631,000 | 56,461,000 | 55,599,000 |
| Risk-weighted assets | 401,472,000 | 403,719,000 | 409,852,000 | 426,072,000 |