Call reports 2017
WESTERN STATE BANK — 2017
What WESTERN STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 425,224,000 | 413,090,000 | 423,826,000 | 476,898,000 |
| Total loans | 291,145,000 | 295,965,000 | 309,309,000 | 304,912,000 |
| Allowance for loan losses | 8,118,000 | 8,368,000 | 8,649,000 | 8,660,000 |
| Securities available for sale | 95,612,000 | 92,155,000 | 87,825,000 | 99,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,922,000 | 359,077,000 | 362,136,000 | 423,991,000 |
| Interest-bearing deposits | 280,852,000 | 275,885,000 | 274,604,000 | 311,187,000 |
| Noninterest-bearing deposits | 93,070,000 | 83,192,000 | 87,532,000 | 112,804,000 |
| Equity capital | 50,525,000 | 53,135,000 | 52,686,000 | 52,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,253,000 | 9,192,000 | 13,860,000 | 18,634,000 |
| Interest expense | 254,000 | 541,000 | 848,000 | 1,166,000 |
| Net interest income | 3,999,000 | 8,651,000 | 13,012,000 | 17,468,000 |
| Noninterest income | 385,000 | 848,000 | 1,330,000 | 1,755,000 |
| Noninterest expense | 2,507,000 | 5,000,000 | 7,633,000 | 10,260,000 |
| Provision for loan losses | 250,000 | 500,000 | 750,000 | 780,000 |
| Pretax income | 1,627,000 | 3,996,000 | 5,956,000 | 8,181,000 |
| Income tax | 71,000 | 249,000 | 335,000 | 339,000 |
| Net income | 1,556,000 | 3,747,000 | 5,621,000 | 7,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,319,000 | 52,910,000 | 52,590,000 | 52,976,000 |
| Total capital | 54,510,000 | 57,139,000 | 56,979,000 | 57,424,000 |
| Risk-weighted assets | 331,500,000 | 334,221,000 | 346,854,000 | 351,627,000 |