Call reports 2004
WESTERN STATE BANK — 2004
What WESTERN STATE 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 | 310,276,000 | 305,970,000 | 297,375,000 | 309,194,000 |
| Total loans | 229,552,000 | 230,289,000 | 226,810,000 | 212,074,000 |
| Allowance for loan losses | 5,519,000 | 5,632,000 | 5,581,000 | 5,665,000 |
| Securities available for sale | 40,467,000 | 40,680,000 | 39,424,000 | 38,447,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,184,000 | 269,382,000 | 260,628,000 | 271,708,000 |
| Interest-bearing deposits | 232,426,000 | 228,689,000 | 215,995,000 | 219,733,000 |
| Noninterest-bearing deposits | 41,758,000 | 40,693,000 | 44,633,000 | 51,975,000 |
| Equity capital | 29,739,000 | 30,589,000 | 31,349,000 | 31,909,000 |
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 | 4,083,000 | 8,248,000 | 12,068,000 | 16,211,000 |
| Interest expense | 945,000 | 1,835,000 | 2,696,000 | 3,642,000 |
| Net interest income | 3,138,000 | 6,413,000 | 9,372,000 | 12,569,000 |
| Noninterest income | 357,000 | 882,000 | 1,341,000 | 1,733,000 |
| Noninterest expense | 1,901,000 | 3,797,000 | 5,641,000 | 7,705,000 |
| Provision for loan losses | 576,000 | 674,000 | 1,138,000 | 1,715,000 |
| Pretax income | 1,018,000 | 2,824,000 | 3,935,000 | 4,883,000 |
| Income tax | 379,000 | 1,029,000 | 1,438,000 | 1,666,000 |
| Net income | 639,000 | 1,795,000 | 2,497,000 | 3,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,220,000 | 28,387,000 | 29,101,000 | 29,832,000 |
| Total capital | 30,343,000 | 31,508,000 | 32,181,000 | 32,824,000 |
| Risk-weighted assets | 247,481,000 | 247,143,000 | 243,861,000 | 236,623,000 |
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