Call reports 2019
WESTERN STATE BANK — 2019
What WESTERN STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 456,996,000 | 454,445,000 | 466,601,000 | 491,511,000 |
| Total loans | 316,080,000 | 329,396,000 | 326,205,000 | 323,374,000 |
| Allowance for loan losses | 8,213,000 | 8,473,000 | 7,848,000 | 8,043,000 |
| Securities available for sale | 112,047,000 | 98,215,000 | 92,086,000 | 111,237,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,567,000 | 394,659,000 | 406,330,000 | 431,255,000 |
| Interest-bearing deposits | 295,815,000 | 293,588,000 | 292,924,000 | 305,998,000 |
| Noninterest-bearing deposits | 102,752,000 | 101,071,000 | 113,407,000 | 125,257,000 |
| Equity capital | 57,406,000 | 58,911,000 | 59,171,000 | 59,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,553,000 | 11,202,000 | 16,959,000 | 22,471,000 |
| Interest expense | 507,000 | 1,045,000 | 1,627,000 | 2,202,000 |
| Net interest income | 5,046,000 | 10,157,000 | 15,332,000 | 20,269,000 |
| Noninterest income | 345,000 | 821,000 | 1,260,000 | 1,683,000 |
| Noninterest expense | 2,567,000 | 5,215,000 | 8,049,000 | 10,669,000 |
| Provision for loan losses | 700,000 | 900,000 | 1,100,000 | 1,300,000 |
| Pretax income | 2,124,000 | 4,891,000 | 7,471,000 | 10,011,000 |
| Income tax | 57,000 | 214,000 | 328,000 | 418,000 |
| Net income | 2,067,000 | 4,677,000 | 7,143,000 | 9,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,855,000 | 58,428,000 | 58,278,000 | 58,334,000 |
| Total capital | 62,216,000 | 62,952,000 | 62,762,000 | 62,843,000 |
| Risk-weighted assets | 345,039,000 | 358,004,000 | 355,323,000 | 357,162,000 |