Call reports 2018
WESTERN STATE BANK — 2018
What WESTERN STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 453,540,000 | 448,121,000 | 436,673,000 | 478,918,000 |
| Total loans | 295,668,000 | 304,861,000 | 306,643,000 | 305,753,000 |
| Allowance for loan losses | 8,652,000 | 8,658,000 | 8,672,000 | 8,693,000 |
| Securities available for sale | 111,310,000 | 107,984,000 | 100,985,000 | 109,497,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 401,323,000 | 395,718,000 | 382,017,000 | 421,148,000 |
| Interest-bearing deposits | 294,603,000 | 299,200,000 | 280,912,000 | 311,524,000 |
| Noninterest-bearing deposits | 106,720,000 | 96,518,000 | 101,104,000 | 109,624,000 |
| Equity capital | 51,483,000 | 51,477,000 | 53,596,000 | 56,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,881,000 | 9,768,000 | 14,872,000 | 20,114,000 |
| Interest expense | 349,000 | 738,000 | 1,158,000 | 1,606,000 |
| Net interest income | 4,532,000 | 9,030,000 | 13,714,000 | 18,508,000 |
| Noninterest income | 404,000 | 802,000 | 1,255,000 | 1,686,000 |
| Noninterest expense | 2,470,000 | 4,985,000 | 7,607,000 | 10,249,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,466,000 | 4,841,000 | 7,356,000 | 9,939,000 |
| Income tax | 108,000 | 212,000 | 286,000 | 415,000 |
| Net income | 2,358,000 | 4,629,000 | 7,070,000 | 9,524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,011,000 | 53,362,000 | 55,816,000 | 58,232,000 |
| Total capital | 57,415,000 | 57,856,000 | 60,356,000 | 62,484,000 |
| Risk-weighted assets | 348,068,000 | 355,330,000 | 359,049,000 | 335,704,000 |