Call reports 2011
WESTERN STATE BANK — 2011
What WESTERN STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 419,937,000 | 404,044,000 | 427,100,000 | 468,341,000 |
| Total loans | 218,941,000 | 232,287,000 | 235,254,000 | 247,013,000 |
| Allowance for loan losses | 6,182,000 | 6,186,000 | 6,196,000 | 6,266,000 |
| Securities available for sale | 95,521,000 | 124,390,000 | 124,807,000 | 131,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,560,000 | 332,135,000 | 348,616,000 | 418,305,000 |
| Interest-bearing deposits | 270,160,000 | 258,920,000 | 257,273,000 | 323,097,000 |
| Noninterest-bearing deposits | 74,400,000 | 73,215,000 | 91,343,000 | 95,208,000 |
| Equity capital | 44,762,000 | 45,300,000 | 47,544,000 | 48,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,998,000 | 8,165,000 | 12,462,000 | 16,795,000 |
| Interest expense | 644,000 | 1,201,000 | 1,697,000 | 2,131,000 |
| Net interest income | 3,354,000 | 6,964,000 | 10,765,000 | 14,664,000 |
| Noninterest income | 400,000 | 793,000 | 1,164,000 | 1,562,000 |
| Noninterest expense | 2,452,000 | 5,180,000 | 7,699,000 | 10,008,000 |
| Provision for loan losses | 186,000 | 376,000 | 384,000 | 484,000 |
| Pretax income | 1,116,000 | 2,201,000 | 3,846,000 | 5,734,000 |
| Income tax | 45,000 | 88,000 | 157,000 | 226,000 |
| Net income | 1,071,000 | 2,113,000 | 3,689,000 | 5,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,636,000 | 42,914,000 | 44,539,000 | 46,407,000 |
| Total capital | 45,834,000 | 46,414,000 | 48,098,000 | 50,170,000 |
| Risk-weighted assets | 252,880,000 | 277,317,000 | 282,088,000 | 298,528,000 |
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