Call reports 2004
WILSHIRE BANK — 2004
What WILSHIRE 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 | 1,066,240,000 | 1,202,525,000 | 1,211,432,000 | 1,265,172,000 |
| Total loans | 835,156,000 | 927,180,000 | 972,830,000 | 1,020,723,000 |
| Allowance for loan losses | 9,488,000 | 10,251,000 | 11,131,000 | 11,111,000 |
| Securities available for sale | 60,248,000 | 75,999,000 | 73,498,000 | 85,713,000 |
| Securities held to maturity | 20,827,000 | 25,611,000 | 26,309,000 | 29,262,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 918,844,000 | 1,041,334,000 | 1,049,720,000 | 1,101,401,000 |
| Interest-bearing deposits | 663,112,000 | 773,657,000 | 791,865,000 | 824,765,000 |
| Noninterest-bearing deposits | 255,732,000 | 267,677,000 | 257,855,000 | 276,636,000 |
| Equity capital | 72,859,000 | 77,119,000 | 97,911,000 | 102,982,000 |
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 | 12,667,000 | 26,290,000 | 42,264,000 | 59,918,000 |
| Interest expense | 3,548,000 | 7,615,000 | 12,383,000 | 17,234,000 |
| Net interest income | 9,119,000 | 18,675,000 | 29,881,000 | 42,684,000 |
| Noninterest income | 5,057,000 | 10,227,000 | 15,857,000 | 20,614,000 |
| Noninterest expense | 6,533,000 | 12,536,000 | 19,732,000 | 27,851,000 |
| Provision for loan losses | 470,000 | 1,180,000 | 2,561,000 | 3,008,000 |
| Pretax income | 7,178,000 | 15,191,000 | 23,717,000 | 32,711,000 |
| Income tax | 2,833,000 | 6,023,000 | 9,405,000 | 13,024,000 |
| Net income | 4,345,000 | 9,168,000 | 14,312,000 | 19,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,384,000 | 77,506,000 | 97,806,000 | 102,933,000 |
| Total capital | 107,845,000 | 113,691,000 | 119,475,000 | 124,686,000 |
| Risk-weighted assets | 870,269,000 | 968,577,000 | 998,205,000 | 1,045,771,000 |