Call reports 2014
WESTERN STATE BANK — 2014
What WESTERN STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 467,664,000 | 435,398,000 | 453,549,000 | 466,033,000 |
| Total loans | 290,239,000 | 301,306,000 | 304,266,000 | 307,507,000 |
| Allowance for loan losses | 6,446,000 | 6,678,000 | 6,711,000 | 6,887,000 |
| Securities available for sale | 118,036,000 | 104,768,000 | 94,672,000 | 96,421,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 414,345,000 | 382,002,000 | 399,432,000 | 411,191,000 |
| Interest-bearing deposits | 312,343,000 | 288,718,000 | 296,501,000 | 296,146,000 |
| Noninterest-bearing deposits | 102,002,000 | 93,283,000 | 102,931,000 | 115,045,000 |
| Equity capital | 52,406,000 | 52,577,000 | 53,172,000 | 53,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,070,000 | 8,113,000 | 12,241,000 | 16,496,000 |
| Interest expense | 206,000 | 399,000 | 590,000 | 777,000 |
| Net interest income | 3,864,000 | 7,714,000 | 11,651,000 | 15,719,000 |
| Noninterest income | 391,000 | 820,000 | 1,243,000 | 1,675,000 |
| Noninterest expense | 2,387,000 | 4,905,000 | 7,362,000 | 9,891,000 |
| Provision for loan losses | 20,000 | 320,000 | 499,000 | 604,000 |
| Pretax income | 1,848,000 | 3,315,000 | 5,037,000 | 6,903,000 |
| Income tax | 73,000 | 138,000 | 205,000 | 275,000 |
| Net income | 1,775,000 | 3,177,000 | 4,832,000 | 6,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,699,000 | 51,871,000 | 52,560,000 | 53,216,000 |
| Total capital | 55,829,000 | 56,064,000 | 56,748,000 | 57,463,000 |
| Risk-weighted assets | 328,083,000 | 332,990,000 | 332,505,000 | 337,089,000 |
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