Call reports 2005
WESTERN NATIONAL BANK — 2005
What WESTERN NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 552,723,000 | 539,875,000 | 584,452,000 | 609,449,000 |
| Total loans | 354,611,000 | 354,341,000 | 350,760,000 | 348,070,000 |
| Allowance for loan losses | 3,772,000 | 3,741,000 | 3,704,000 | 3,754,000 |
| Securities available for sale | 127,538,000 | 123,257,000 | 117,105,000 | 150,971,000 |
| Securities held to maturity | 1,298,000 | 1,215,000 | 1,104,000 | 1,041,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 400,593,000 | 394,749,000 | 440,150,000 | 468,875,000 |
| Interest-bearing deposits | 258,398,000 | 239,196,000 | 281,944,000 | 285,027,000 |
| Noninterest-bearing deposits | 142,195,000 | 155,553,000 | 158,206,000 | 183,848,000 |
| Equity capital | 49,589,000 | 51,049,000 | 50,966,000 | 49,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,198,000 | 14,811,000 | 23,066,000 | 32,000,000 |
| Interest expense | 1,867,000 | 3,961,000 | 6,290,000 | 8,978,000 |
| Net interest income | 5,331,000 | 10,850,000 | 16,776,000 | 23,022,000 |
| Noninterest income | 1,000,000 | 2,117,000 | 3,283,000 | 4,282,000 |
| Noninterest expense | 3,373,000 | 6,746,000 | 10,387,000 | 14,619,000 |
| Provision for loan losses | 190,000 | 205,000 | 155,000 | 117,000 |
| Pretax income | 2,768,000 | 6,016,000 | 9,517,000 | 12,568,000 |
| Income tax | 0 | 0 | 9,000 | 9,000 |
| Net income | 2,768,000 | 6,016,000 | 9,508,000 | 12,559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,000,000 | 53,037,000 | 53,045,000 | 52,000,000 |
| Total capital | 55,772,000 | 56,778,000 | 56,749,000 | 55,754,000 |
| Risk-weighted assets | 464,300,000 | 455,226,000 | 458,027,000 | 459,576,000 |