Call reports 2004
WEST COAST BANK — 2004
What WEST COAST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,680,955,000 | 1,714,360,000 | 1,741,227,000 | 1,787,928,000 |
| Total loans | 1,266,189,000 | 1,305,143,000 | 1,325,314,000 | 1,430,700,000 |
| Allowance for loan losses | 18,685,000 | 19,123,000 | 19,421,000 | 18,971,000 |
| Securities available for sale | 305,328,000 | 297,559,000 | 291,377,000 | 255,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,435,000 | 1,450,000 | 1,432,000 | 1,412,000 |
| Total deposits | 1,393,685,000 | 1,433,730,000 | 1,479,408,000 | 1,480,987,000 |
| Interest-bearing deposits | 1,204,791,000 | 1,058,551,000 | 1,074,094,000 | 1,080,963,000 |
| Noninterest-bearing deposits | 188,894,000 | 375,179,000 | 405,314,000 | 400,024,000 |
| Equity capital | 154,778,000 | 156,014,000 | 162,287,000 | 166,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 22,508,000 | 45,025,000 | 68,472,000 | 93,244,000 |
| Interest expense | 3,903,000 | 7,720,000 | 11,848,000 | 16,680,000 |
| Net interest income | 18,605,000 | 37,305,000 | 56,624,000 | 76,564,000 |
| Noninterest income | 4,942,000 | 10,162,000 | 15,235,000 | 20,276,000 |
| Noninterest expense | 14,686,000 | 29,459,000 | 45,102,000 | 61,378,000 |
| Provision for loan losses | 900,000 | 1,900,000 | 2,125,000 | 2,260,000 |
| Pretax income | 7,961,000 | 16,183,000 | 24,707,000 | 33,182,000 |
| Income tax | 2,605,000 | 5,266,000 | 7,865,000 | 10,273,000 |
| Net income | 5,356,000 | 10,917,000 | 16,842,000 | 22,909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 149,897,000 | 155,177,000 | 159,393,000 | 165,285,000 |
| Total capital | 168,582,000 | 174,300,000 | 178,720,000 | 184,256,000 |
| Risk-weighted assets | 1,500,112,000 | 1,536,979,000 | 1,546,077,000 | 1,655,384,000 |
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