Call reports 2007
WESTERN NATIONAL BANK — 2007
What WESTERN NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 748,211,000 | 754,327,000 | 726,208,000 | 770,731,000 |
| Total loans | 444,251,000 | 467,667,000 | 491,588,000 | 547,051,000 |
| Allowance for loan losses | 4,334,000 | 4,355,000 | 4,500,000 | 4,788,000 |
| Securities available for sale | 157,497,000 | 166,439,000 | 167,706,000 | 163,196,000 |
| Securities held to maturity | 45,000 | 38,000 | 32,000 | 28,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 648,368,000 | 665,815,000 | 639,960,000 | 651,245,000 |
| Interest-bearing deposits | 463,335,000 | 464,309,000 | 430,670,000 | 422,297,000 |
| Noninterest-bearing deposits | 185,033,000 | 201,506,000 | 209,290,000 | 228,948,000 |
| Equity capital | 55,667,000 | 55,106,000 | 58,208,000 | 63,428,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 12,732,000 | 25,852,000 | 39,018,000 | 52,250,000 |
| Interest expense | 4,693,000 | 9,333,000 | 13,905,000 | 18,217,000 |
| Net interest income | 8,039,000 | 16,519,000 | 25,113,000 | 34,033,000 |
| Noninterest income | 1,000,000 | 2,017,000 | 3,024,000 | 4,066,000 |
| Noninterest expense | 4,810,000 | 9,317,000 | 14,360,000 | 19,284,000 |
| Provision for loan losses | 61,000 | 254,000 | 412,000 | 661,000 |
| Pretax income | 4,168,000 | 8,965,000 | 13,365,000 | 18,154,000 |
| Income tax | 0 | -13,000 | -13,000 | -13,000 |
| Net income | 4,168,000 | 8,978,000 | 13,378,000 | 18,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,126,000 | 58,201,000 | 58,859,000 | 63,281,000 |
| Total capital | 62,460,000 | 62,735,000 | 63,574,000 | 68,300,000 |
| Risk-weighted assets | 580,449,000 | 617,622,000 | 624,721,000 | 649,991,000 |