Call reports 2007
WEST COAST BANK — 2007
What WEST COAST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 2,482,027,000 | 2,579,387,000 | 2,643,356,000 | 2,639,374,000 |
| Total loans | 2,023,102,000 | 2,146,344,000 | 2,185,809,000 | 2,171,986,000 |
| Allowance for loan losses | 24,464,000 | 26,496,000 | 27,534,000 | 44,313,000 |
| Securities available for sale | 276,109,000 | 255,527,000 | 258,999,000 | 256,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 2,331,000 | 2,446,000 | 2,500,000 | 2,349,000 |
| Total deposits | 2,041,706,000 | 2,052,908,000 | 2,119,427,000 | 2,100,018,000 |
| Interest-bearing deposits | 1,762,226,000 | 1,793,937,000 | 1,854,360,000 | 1,794,619,000 |
| Noninterest-bearing deposits | 279,480,000 | 258,971,000 | 265,067,000 | 305,399,000 |
| Equity capital | 240,806,000 | 247,769,000 | 251,199,000 | 243,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 43,860,000 | 90,054,000 | 137,863,000 | 182,471,000 |
| Interest expense | 15,170,000 | 31,472,000 | 48,500,000 | 64,858,000 |
| Net interest income | 28,690,000 | 58,582,000 | 89,363,000 | 117,613,000 |
| Noninterest income | 7,302,000 | 15,160,000 | 22,661,000 | 30,277,000 |
| Noninterest expense | 20,399,000 | 41,229,000 | 63,172,000 | 89,377,000 |
| Provision for loan losses | 2,800,000 | 6,300,000 | 9,000,000 | 32,200,000 |
| Pretax income | 12,793,000 | 26,309,000 | 39,785,000 | 26,246,000 |
| Income tax | 4,494,000 | 9,212,000 | 13,872,000 | 8,024,000 |
| Net income | 8,299,000 | 17,097,000 | 25,913,000 | 18,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 225,896,000 | 234,846,000 | 236,780,000 | 228,976,000 |
| Total capital | 250,470,000 | 261,464,000 | 264,434,000 | 260,081,000 |
| Risk-weighted assets | 2,356,398,000 | 2,455,105,000 | 2,501,581,000 | 2,467,166,000 |
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