Call reports 2005
WESTERN STATE BANK — 2005
What WESTERN STATE 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 | 299,876,000 | 302,762,000 | 305,060,000 | 320,401,000 |
| Total loans | 203,729,000 | 209,572,000 | 216,438,000 | 219,232,000 |
| Allowance for loan losses | 5,678,000 | 5,671,000 | 5,625,000 | 5,560,000 |
| Securities available for sale | 42,889,000 | 55,306,000 | 49,372,000 | 47,141,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,426,000 | 264,253,000 | 265,038,000 | 280,653,000 |
| Interest-bearing deposits | 216,333,000 | 216,166,000 | 211,413,000 | 223,491,000 |
| Noninterest-bearing deposits | 45,094,000 | 48,087,000 | 53,624,000 | 57,162,000 |
| Equity capital | 32,826,000 | 33,754,000 | 34,208,000 | 34,805,000 |
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 | 3,938,000 | 8,226,000 | 13,132,000 | 17,955,000 |
| Interest expense | 1,023,000 | 2,158,000 | 3,446,000 | 4,834,000 |
| Net interest income | 2,915,000 | 6,068,000 | 9,686,000 | 13,121,000 |
| Noninterest income | 456,000 | 832,000 | 1,289,000 | 1,654,000 |
| Noninterest expense | 1,867,000 | 3,705,000 | 5,555,000 | 7,465,000 |
| Provision for loan losses | 4,000 | 4,000 | 4,000 | 4,000 |
| Pretax income | 1,500,000 | 3,191,000 | 5,416,000 | 7,306,000 |
| Income tax | 438,000 | 900,000 | 1,990,000 | 2,575,000 |
| Net income | 1,062,000 | 2,291,000 | 3,426,000 | 4,731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,905,000 | 31,875,000 | 32,409,000 | 33,157,000 |
| Total capital | 33,773,000 | 34,824,000 | 35,444,000 | 36,242,000 |
| Risk-weighted assets | 226,594,000 | 233,175,000 | 240,216,000 | 244,297,000 |
Machine access — free, no API key
Every figure shown here about WESTERN STATE BANK — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.