Call reports 2008
WESTERN NATIONAL BANK — 2008
What WESTERN NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 793,787,000 | 830,997,000 | 896,497,000 | 952,649,000 |
| Total loans | 570,608,000 | 610,639,000 | 629,278,000 | 681,539,000 |
| Allowance for loan losses | 5,064,000 | 5,493,000 | 5,759,000 | 6,643,000 |
| Securities available for sale | 161,428,000 | 152,133,000 | 198,574,000 | 200,310,000 |
| Securities held to maturity | 23,000 | 18,000 | 15,000 | 11,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 673,906,000 | 702,789,000 | 738,301,000 | 741,255,000 |
| Interest-bearing deposits | 442,410,000 | 437,286,000 | 481,220,000 | 408,053,000 |
| Noninterest-bearing deposits | 231,496,000 | 265,503,000 | 257,081,000 | 333,202,000 |
| Equity capital | 66,717,000 | 69,272,000 | 73,880,000 | 80,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 12,340,000 | 23,999,000 | 35,985,000 | 48,326,000 |
| Interest expense | 3,647,000 | 6,250,000 | 8,810,000 | 10,787,000 |
| Net interest income | 8,693,000 | 17,749,000 | 27,175,000 | 37,539,000 |
| Noninterest income | 894,000 | 1,946,000 | 2,991,000 | 4,060,000 |
| Noninterest expense | 5,609,000 | 10,863,000 | 16,260,000 | 21,587,000 |
| Provision for loan losses | 219,000 | 697,000 | 1,001,000 | 1,935,000 |
| Pretax income | 3,759,000 | 8,160,000 | 12,930,000 | 18,418,000 |
| Income tax | 0 | -3,000 | -3,000 | -3,000 |
| Net income | 3,759,000 | 8,163,000 | 12,933,000 | 18,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,344,000 | 70,123,000 | 73,202,000 | 78,285,000 |
| Total capital | 68,601,000 | 75,869,000 | 79,276,000 | 85,240,000 |
| Risk-weighted assets | 671,198,000 | 718,087,000 | 755,805,000 | 781,503,000 |