Call reports 2015
WESTERN STATE BANK — 2015
What WESTERN STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 460,882,000 | 446,757,000 | 454,370,000 | 469,290,000 |
| Total loans | 301,399,000 | 295,216,000 | 292,907,000 | 299,002,000 |
| Allowance for loan losses | 6,898,000 | 7,048,000 | 6,902,000 | 6,888,000 |
| Securities available for sale | 107,930,000 | 104,456,000 | 100,200,000 | 112,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 405,353,000 | 391,655,000 | 403,123,000 | 417,379,000 |
| Interest-bearing deposits | 295,775,000 | 294,120,000 | 298,451,000 | 306,192,000 |
| Noninterest-bearing deposits | 109,578,000 | 97,534,000 | 104,672,000 | 111,187,000 |
| Equity capital | 54,746,000 | 54,352,000 | 50,341,000 | 51,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,080,000 | 8,199,000 | 12,233,000 | 16,322,000 |
| Interest expense | 191,000 | 381,000 | 573,000 | 784,000 |
| Net interest income | 3,889,000 | 7,818,000 | 11,660,000 | 15,538,000 |
| Noninterest income | 477,000 | 919,000 | 1,363,000 | 1,775,000 |
| Noninterest expense | 2,455,000 | 5,073,000 | 7,671,000 | 10,380,000 |
| Provision for loan losses | 0 | 150,000 | 150,000 | 502,000 |
| Pretax income | 1,911,000 | 3,514,000 | 5,202,000 | 6,431,000 |
| Income tax | 86,000 | 154,000 | 228,000 | 269,000 |
| Net income | 1,825,000 | 3,360,000 | 4,974,000 | 6,162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,944,000 | 54,117,000 | 49,736,000 | 50,931,000 |
| Total capital | 58,330,000 | 58,372,000 | 53,930,000 | 55,263,000 |
| Risk-weighted assets | 348,370,000 | 337,583,000 | 332,815,000 | 343,991,000 |