Call reports 2005
WILSHIRE BANK — 2005
What WILSHIRE 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 | 1,376,209,000 | 1,454,624,000 | 1,543,936,000 | 1,664,722,000 |
| Total loans | 1,044,964,000 | 1,130,834,000 | 1,189,166,000 | 1,262,560,000 |
| Allowance for loan losses | 11,669,000 | 12,450,000 | 13,551,000 | 13,999,000 |
| Securities available for sale | 91,378,000 | 139,124,000 | 126,798,000 | 138,650,000 |
| Securities held to maturity | 29,129,000 | 25,100,000 | 24,881,000 | 22,860,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,168,933,000 | 1,251,487,000 | 1,320,675,000 | 1,428,885,000 |
| Interest-bearing deposits | 878,155,000 | 941,891,000 | 986,574,000 | 1,117,294,000 |
| Noninterest-bearing deposits | 290,778,000 | 309,596,000 | 334,101,000 | 311,591,000 |
| Equity capital | 123,011,000 | 130,349,000 | 137,339,000 | 145,287,000 |
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 | 19,529,000 | 42,218,000 | 67,561,000 | 97,578,000 |
| Interest expense | 5,647,000 | 12,744,000 | 21,144,000 | 32,285,000 |
| Net interest income | 13,882,000 | 29,474,000 | 46,417,000 | 65,293,000 |
| Noninterest income | 4,935,000 | 9,403,000 | 14,643,000 | 20,459,000 |
| Noninterest expense | 7,837,000 | 15,311,000 | 23,819,000 | 33,702,000 |
| Provision for loan losses | 502,000 | 1,190,000 | 2,381,000 | 3,213,000 |
| Pretax income | 10,478,000 | 22,376,000 | 34,860,000 | 48,837,000 |
| Income tax | 4,277,000 | 8,945,000 | 14,272,000 | 19,730,000 |
| Net income | 6,201,000 | 13,431,000 | 20,588,000 | 29,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 123,407,000 | 130,473,000 | 137,326,000 | 145,845,000 |
| Total capital | 145,715,000 | 153,595,000 | 161,607,000 | 170,623,000 |
| Risk-weighted assets | 1,084,639,000 | 1,191,446,000 | 1,220,416,000 | 1,307,931,000 |