Call reports 2015
WESTSTAR BANK — 2015
What WESTSTAR 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 | 1,090,969,000 | 1,090,969,000 | 1,109,938,000 | 1,137,680,000 |
| Total loans | 737,709,000 | 747,827,000 | 750,774,000 | 778,000,000 |
| Allowance for loan losses | 7,417,000 | 7,601,000 | 7,612,000 | 7,529,000 |
| Securities available for sale | 252,334,000 | 261,466,000 | 253,385,000 | 292,753,000 |
| Securities held to maturity | 28,946,000 | 27,162,000 | 25,585,000 | 24,248,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 978,246,000 | 980,389,000 | 994,784,000 | 1,018,926,000 |
| Interest-bearing deposits | 681,748,000 | 669,149,000 | 697,242,000 | 714,672,000 |
| Noninterest-bearing deposits | 296,498,000 | 311,240,000 | 297,542,000 | 304,254,000 |
| Equity capital | 104,581,000 | 105,096,000 | 109,355,000 | 109,409,000 |
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 | 11,312,000 | 22,483,000 | 33,735,000 | 45,643,000 |
| Interest expense | 527,000 | 1,028,000 | 1,531,000 | 2,030,000 |
| Net interest income | 10,785,000 | 21,455,000 | 32,204,000 | 43,613,000 |
| Noninterest income | 1,806,000 | 3,621,000 | 5,540,000 | 7,362,000 |
| Noninterest expense | 6,903,000 | 13,672,000 | 20,445,000 | 27,145,000 |
| Provision for loan losses | 150,000 | 300,000 | 300,000 | 300,000 |
| Pretax income | 5,538,000 | 11,104,000 | 16,999,000 | 23,530,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 5,538,000 | 11,104,000 | 16,999,000 | 23,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,790,000 | 102,114,000 | 104,766,000 | 107,496,000 |
| Total capital | 107,215,000 | 109,717,000 | 112,384,000 | 115,026,000 |
| Risk-weighted assets | 826,830,000 | 835,725,000 | 830,531,000 | 877,589,000 |