Call reports 2025
WESTERN STATE BANK — 2025
What WESTERN STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 781,696,000 | 791,720,000 | 793,942,000 | 825,383,000 |
| Total loans | 539,418,000 | 544,188,000 | 536,383,000 | 542,645,000 |
| Allowance for loan losses | 11,133,000 | 11,590,000 | 11,884,000 | 12,235,000 |
| Securities available for sale | 213,946,000 | 218,135,000 | 234,195,000 | 243,116,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 703,445,000 | 713,941,000 | 711,184,000 | 739,507,000 |
| Interest-bearing deposits | 539,965,000 | 558,757,000 | 551,541,000 | 569,794,000 |
| Noninterest-bearing deposits | 163,480,000 | 155,184,000 | 159,643,000 | 169,713,000 |
| Equity capital | 73,119,000 | 73,744,000 | 78,883,000 | 81,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 11,998,000 | 24,441,000 | 37,093,000 | 49,624,000 |
| Interest expense | 3,718,000 | 7,397,000 | 11,000,000 | 14,559,000 |
| Net interest income | 8,280,000 | 17,044,000 | 26,093,000 | 35,065,000 |
| Noninterest income | 598,000 | 1,244,000 | 1,906,000 | 2,646,000 |
| Noninterest expense | 3,667,000 | 7,611,000 | 11,670,000 | 15,908,000 |
| Provision for loan losses | 300,000 | 755,000 | 1,055,000 | 1,355,000 |
| Pretax income | 4,802,000 | 9,790,000 | 14,883,000 | 19,811,000 |
| Income tax | 164,000 | 325,000 | 553,000 | 679,000 |
| Net income | 4,638,000 | 9,465,000 | 14,330,000 | 19,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,396,000 | 83,625,000 | 84,894,000 | 86,022,000 |
| Total capital | 91,100,000 | 91,506,000 | 92,685,000 | 93,985,000 |
| Risk-weighted assets | 612,588,000 | 626,681,000 | 619,068,000 | 632,684,000 |
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