Call reports 2013
WESTERN STATE BANK — 2013
What WESTERN STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 466,783,000 | 449,418,000 | 458,467,000 | 473,393,000 |
| Total loans | 259,451,000 | 274,328,000 | 283,774,000 | 296,408,000 |
| Allowance for loan losses | 6,361,000 | 6,373,000 | 6,382,000 | 6,395,000 |
| Securities available for sale | 164,013,000 | 148,011,000 | 116,669,000 | 121,192,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 414,202,000 | 394,929,000 | 406,882,000 | 421,044,000 |
| Interest-bearing deposits | 319,210,000 | 298,486,000 | 302,469,000 | 360,492,000 |
| Noninterest-bearing deposits | 94,993,000 | 96,444,000 | 104,412,000 | 60,552,000 |
| Equity capital | 51,564,000 | 50,606,000 | 50,633,000 | 51,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,899,000 | 7,831,000 | 11,813,000 | 15,838,000 |
| Interest expense | 265,000 | 516,000 | 745,000 | 965,000 |
| Net interest income | 3,634,000 | 7,315,000 | 11,068,000 | 14,873,000 |
| Noninterest income | 365,000 | 740,000 | 1,135,000 | 1,544,000 |
| Noninterest expense | 2,376,000 | 4,845,000 | 7,346,000 | 9,799,000 |
| Provision for loan losses | 35,000 | 85,000 | 124,000 | 124,000 |
| Pretax income | 1,588,000 | 3,154,000 | 4,766,000 | 6,527,000 |
| Income tax | 63,000 | 126,000 | 191,000 | 274,000 |
| Net income | 1,525,000 | 3,028,000 | 4,575,000 | 6,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,659,000 | 50,034,000 | 50,469,000 | 51,080,000 |
| Total capital | 53,646,000 | 54,162,000 | 54,572,000 | 55,321,000 |
| Risk-weighted assets | 316,553,000 | 328,005,000 | 325,997,000 | 337,135,000 |
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