Call reports 2007
WESTERN STATE BANK — 2007
What WESTERN STATE 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 | 304,572,000 | 309,131,000 | 322,038,000 | 325,909,000 |
| Total loans | 235,373,000 | 237,690,000 | 246,652,000 | 250,671,000 |
| Allowance for loan losses | 5,539,000 | 5,489,000 | 5,486,000 | 5,460,000 |
| Securities available for sale | 39,087,000 | 40,585,000 | 39,445,000 | 44,425,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,214,000 | 268,097,000 | 277,912,000 | 284,653,000 |
| Interest-bearing deposits | 215,195,000 | 217,591,000 | 221,279,000 | 230,117,000 |
| Noninterest-bearing deposits | 49,019,000 | 50,506,000 | 56,633,000 | 54,535,000 |
| Equity capital | 35,624,000 | 35,388,000 | 35,628,000 | 31,982,000 |
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 | 5,633,000 | 11,349,000 | 17,211,000 | 23,142,000 |
| Interest expense | 1,813,000 | 3,759,000 | 5,793,000 | 7,804,000 |
| Net interest income | 3,820,000 | 7,590,000 | 11,418,000 | 15,338,000 |
| Noninterest income | 358,000 | 703,000 | 1,115,000 | 1,494,000 |
| Noninterest expense | 2,047,000 | 4,128,000 | 6,291,000 | 8,614,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,131,000 | 4,165,000 | 6,242,000 | 8,218,000 |
| Income tax | 788,000 | 1,471,000 | 2,206,000 | 4,694,000 |
| Net income | 1,343,000 | 2,694,000 | 4,036,000 | 3,524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,989,000 | 34,009,000 | 34,011,000 | 30,192,000 |
| Total capital | 37,217,000 | 37,285,000 | 37,375,000 | 33,662,000 |
| Risk-weighted assets | 255,953,000 | 259,895,000 | 266,997,000 | 275,593,000 |
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