Call reports 2008
WESTERN STATE BANK — 2008
What WESTERN STATE 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 | 338,802,000 | 342,706,000 | 391,327,000 | 388,238,000 |
| Total loans | 257,371,000 | 280,056,000 | 280,731,000 | 280,866,000 |
| Allowance for loan losses | 5,462,000 | 5,462,000 | 5,626,000 | 5,676,000 |
| Securities available for sale | 55,590,000 | 41,366,000 | 78,267,000 | 78,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,378,000 | 291,582,000 | 326,796,000 | 333,955,000 |
| Interest-bearing deposits | 233,992,000 | 235,909,000 | 264,156,000 | 272,172,000 |
| Noninterest-bearing deposits | 56,387,000 | 55,673,000 | 62,640,000 | 61,783,000 |
| Equity capital | 34,880,000 | 34,875,000 | 35,315,000 | 37,801,000 |
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 | 5,608,000 | 10,937,000 | 16,631,000 | 21,952,000 |
| Interest expense | 1,682,000 | 3,067,000 | 4,578,000 | 5,953,000 |
| Net interest income | 3,926,000 | 7,870,000 | 12,053,000 | 15,999,000 |
| Noninterest income | 376,000 | 761,000 | 1,117,000 | 1,501,000 |
| Noninterest expense | 2,175,000 | 4,404,000 | 6,625,000 | 8,892,000 |
| Provision for loan losses | 0 | 200,000 | 827,000 | 1,476,000 |
| Pretax income | 2,253,000 | 4,153,000 | 5,844,000 | 7,258,000 |
| Income tax | 57,000 | 131,000 | 198,000 | 266,000 |
| Net income | 2,196,000 | 4,022,000 | 5,646,000 | 6,992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,437,000 | 33,211,000 | 33,606,000 | 35,001,000 |
| Total capital | 36,106,000 | 36,970,000 | 37,805,000 | 39,029,000 |
| Risk-weighted assets | 291,739,000 | 298,999,000 | 334,507,000 | 320,599,000 |
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