Call reports 2003
WEST COAST BANK — 2003
What WEST COAST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,556,457,000 | 1,592,508,000 | 1,667,542,000 | 1,660,072,000 |
| Total loans | 1,183,170,000 | 1,220,648,000 | 1,202,976,000 | 1,225,610,000 |
| Allowance for loan losses | 17,246,000 | 17,843,000 | 18,049,000 | 18,131,000 |
| Securities available for sale | 253,297,000 | 241,214,000 | 279,565,000 | 310,605,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,308,000 | 1,222,000 | 1,283,000 | 1,384,000 |
| Total deposits | 1,281,252,000 | 1,333,819,000 | 1,417,590,000 | 1,416,287,000 |
| Interest-bearing deposits | 1,139,291,000 | 1,176,640,000 | 1,235,392,000 | 1,253,153,000 |
| Noninterest-bearing deposits | 141,961,000 | 157,179,000 | 182,198,000 | 163,134,000 |
| Equity capital | 139,866,000 | 140,557,000 | 142,413,000 | 148,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 22,623,000 | 45,208,000 | 67,513,000 | 89,973,000 |
| Interest expense | 5,700,000 | 10,839,000 | 15,547,000 | 19,895,000 |
| Net interest income | 16,923,000 | 34,369,000 | 51,966,000 | 70,078,000 |
| Noninterest income | 4,506,000 | 9,598,000 | 14,818,000 | 19,662,000 |
| Noninterest expense | 13,275,000 | 27,591,000 | 41,922,000 | 56,222,000 |
| Provision for loan losses | 850,000 | 1,700,000 | 2,575,000 | 3,800,000 |
| Pretax income | 7,304,000 | 14,868,000 | 22,479,000 | 29,910,000 |
| Income tax | 2,489,000 | 4,952,000 | 7,394,000 | 9,637,000 |
| Net income | 4,815,000 | 9,916,000 | 15,085,000 | 20,273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 133,862,000 | 134,052,000 | 139,307,000 | 144,583,000 |
| Total capital | 151,108,000 | 151,895,000 | 157,356,000 | 162,714,000 |
| Risk-weighted assets | 1,387,217,000 | 1,428,544,000 | 1,470,692,000 | 1,469,369,000 |
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