Call reports 2020
WESTSTAR BANK — 2020
What WESTSTAR BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,905,817,000 | 2,212,343,000 | 2,301,905,000 | 2,370,542,000 |
| Total loans | 1,385,784,000 | 1,661,141,000 | 1,647,019,000 | 1,624,483,000 |
| Allowance for loan losses | 14,835,000 | 16,127,000 | 18,288,000 | 19,772,000 |
| Securities available for sale | 371,578,000 | 354,575,000 | 331,719,000 | 399,524,000 |
| Securities held to maturity | 8,418,000 | 7,998,000 | 7,308,000 | 6,613,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,633,944,000 | 1,937,588,000 | 2,022,272,000 | 2,078,670,000 |
| Interest-bearing deposits | 976,994,000 | 1,068,412,000 | 1,157,939,000 | 1,184,667,000 |
| Noninterest-bearing deposits | 656,950,000 | 869,176,000 | 864,333,000 | 894,003,000 |
| Equity capital | 253,383,000 | 265,199,000 | 268,915,000 | 271,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 20,913,000 | 43,652,000 | 64,517,000 | 87,164,000 |
| Interest expense | 1,884,000 | 2,888,000 | 3,845,000 | 4,578,000 |
| Net interest income | 19,029,000 | 40,764,000 | 60,672,000 | 82,586,000 |
| Noninterest income | 4,451,000 | 9,242,000 | 14,507,000 | 20,027,000 |
| Noninterest expense | 11,989,000 | 23,496,000 | 35,500,000 | 47,902,000 |
| Provision for loan losses | 370,000 | 2,195,000 | 4,370,000 | 6,170,000 |
| Pretax income | 13,882,000 | 27,084,000 | 38,078,000 | 51,308,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 13,882,000 | 27,117,000 | 38,091,000 | 51,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 204,137,000 | 211,156,000 | 215,406,000 | 219,047,000 |
| Total capital | 218,972,000 | 227,283,000 | 233,694,000 | — |
| Risk-weighted assets | 1,681,213,000 | 1,689,604,000 | 1,737,895,000 | — |