Call reports 2012
WESTERN STATE BANK — 2012
What WESTERN STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 454,309,000 | 452,443,000 | 444,207,000 | 478,397,000 |
| Total loans | 241,673,000 | 262,551,000 | 263,538,000 | 269,260,000 |
| Allowance for loan losses | 6,270,000 | 6,275,000 | 6,336,000 | 6,343,000 |
| Securities available for sale | 151,863,000 | 162,078,000 | 150,521,000 | 157,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 402,881,000 | 400,438,000 | 391,627,000 | 426,096,000 |
| Interest-bearing deposits | 314,647,000 | 306,304,000 | 300,767,000 | 315,614,000 |
| Noninterest-bearing deposits | 88,234,000 | 94,134,000 | 90,860,000 | 110,482,000 |
| Equity capital | 50,293,000 | 50,872,000 | 51,344,000 | 51,081,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,066,000 | 8,186,000 | 12,344,000 | 16,445,000 |
| Interest expense | 347,000 | 654,000 | 948,000 | 1,222,000 |
| Net interest income | 3,719,000 | 7,532,000 | 11,396,000 | 15,223,000 |
| Noninterest income | 426,000 | 894,000 | 1,260,000 | 1,650,000 |
| Noninterest expense | 2,494,000 | 4,901,000 | 7,645,000 | 10,255,000 |
| Provision for loan losses | 80,000 | 187,000 | 187,000 | 354,000 |
| Pretax income | 1,571,000 | 3,338,000 | 4,822,000 | 6,262,000 |
| Income tax | 63,000 | 134,000 | 193,000 | 262,000 |
| Net income | 1,508,000 | 3,204,000 | 4,629,000 | 6,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,964,000 | 48,577,000 | 48,780,000 | 49,130,000 |
| Total capital | 51,716,000 | 52,571,000 | 52,720,000 | 53,181,000 |
| Risk-weighted assets | 297,626,000 | 317,254,000 | 312,799,000 | 321,812,000 |