Call reports 2005
WEST COAST BANK — 2005
What WEST COAST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,803,241,000 | 1,844,224,000 | 1,929,594,000 | 1,993,627,000 |
| Total loans | 1,434,490,000 | 1,483,358,000 | 1,521,352,000 | 1,557,674,000 |
| Allowance for loan losses | 18,997,000 | 19,897,000 | 19,728,000 | 20,469,000 |
| Securities available for sale | 246,883,000 | 220,186,000 | 262,947,000 | 281,034,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,415,000 | 1,482,000 | 1,509,000 | 1,463,000 |
| Total deposits | 1,513,691,000 | 1,567,224,000 | 1,649,711,000 | 1,653,754,000 |
| Interest-bearing deposits | 1,113,965,000 | 1,296,891,000 | 1,187,038,000 | 1,192,702,000 |
| Noninterest-bearing deposits | 399,726,000 | 270,333,000 | 462,673,000 | 461,052,000 |
| Equity capital | 167,303,000 | 171,437,000 | 171,488,000 | 173,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 25,252,000 | 52,648,000 | 81,855,000 | 113,163,000 |
| Interest expense | 4,919,000 | 10,788,000 | 17,230,000 | 23,215,000 |
| Net interest income | 20,333,000 | 41,860,000 | 64,625,000 | 89,948,000 |
| Noninterest income | 5,027,000 | 10,790,000 | 16,627,000 | 22,680,000 |
| Noninterest expense | 16,960,000 | 33,476,000 | 51,295,000 | 70,218,000 |
| Provision for loan losses | 0 | 825,000 | 1,225,000 | 2,175,000 |
| Pretax income | 7,084,000 | 16,660,000 | 26,700,000 | 38,203,000 |
| Income tax | 2,313,000 | 5,499,000 | 8,532,000 | 12,318,000 |
| Net income | 4,771,000 | 11,161,000 | 18,168,000 | 25,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 167,787,000 | 170,270,000 | 171,359,000 | 174,212,000 |
| Total capital | 186,784,000 | 190,169,000 | 191,086,000 | 194,681,000 |
| Risk-weighted assets | 1,673,447,000 | 1,738,053,000 | 1,796,064,000 | 1,843,801,000 |
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