Call reports 2009
WESTERN STATE BANK — 2009
What WESTERN STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 374,394,000 | 366,890,000 | 380,446,000 | 394,463,000 |
| Total loans | 271,544,000 | 275,155,000 | 268,066,000 | 256,593,000 |
| Allowance for loan losses | 5,779,000 | 5,796,000 | 5,813,000 | 5,829,000 |
| Securities available for sale | 74,720,000 | 72,773,000 | 70,479,000 | 64,990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,077,000 | 309,337,000 | 320,766,000 | 335,018,000 |
| Interest-bearing deposits | 263,130,000 | 255,085,000 | 260,537,000 | 273,646,000 |
| Noninterest-bearing deposits | 52,947,000 | 54,252,000 | 60,229,000 | 61,372,000 |
| Equity capital | 39,346,000 | 40,790,000 | 42,861,000 | 43,657,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,122,000 | 10,504,000 | 15,638,000 | 20,469,000 |
| Interest expense | 1,266,000 | 2,423,000 | 3,549,000 | 4,616,000 |
| Net interest income | 3,856,000 | 8,081,000 | 12,089,000 | 15,853,000 |
| Noninterest income | 374,000 | 790,000 | 1,203,000 | 1,677,000 |
| Noninterest expense | 2,364,000 | 4,795,000 | 7,261,000 | 9,713,000 |
| Provision for loan losses | 368,000 | 858,000 | 1,273,000 | 2,043,000 |
| Pretax income | 1,498,000 | 3,218,000 | 4,758,000 | 5,774,000 |
| Income tax | 60,000 | 129,000 | 190,000 | 239,000 |
| Net income | 1,438,000 | 3,089,000 | 4,568,000 | 5,535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,488,000 | 38,187,000 | 39,715,000 | 40,731,000 |
| Total capital | 40,229,000 | 41,976,000 | 43,398,000 | 44,314,000 |
| Risk-weighted assets | 297,273,000 | 301,109,000 | 292,524,000 | 284,399,000 |
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