Call reports 2007
WILSHIRE BANK — 2007
What WILSHIRE 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 | 1,999,474,000 | 2,037,142,000 | 2,096,833,000 | 2,193,444,000 |
| Total loans | 1,615,355,000 | 1,673,044,000 | 1,744,625,000 | 1,809,050,000 |
| Allowance for loan losses | 17,214,000 | 19,378,000 | 20,902,000 | 21,579,000 |
| Securities available for sale | 171,791,000 | 195,103,000 | 195,333,000 | 224,256,000 |
| Securities held to maturity | 14,612,000 | 11,603,000 | 11,390,000 | 7,384,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,741,901,000 | 1,770,024,000 | 1,774,327,000 | 1,785,126,000 |
| Interest-bearing deposits | 1,418,150,000 | 1,438,525,000 | 1,439,711,000 | 1,448,957,000 |
| Noninterest-bearing deposits | 323,751,000 | 331,499,000 | 334,616,000 | 336,169,000 |
| Equity capital | 205,716,000 | 213,170,000 | 221,390,000 | 228,152,000 |
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 | 37,764,000 | 77,358,000 | 117,901,000 | 158,075,000 |
| Interest expense | 17,756,000 | 35,417,000 | 53,608,000 | 71,683,000 |
| Net interest income | 20,008,000 | 41,941,000 | 64,293,000 | 86,392,000 |
| Noninterest income | 5,068,000 | 11,172,000 | 16,292,000 | 21,864,000 |
| Noninterest expense | 10,604,000 | 21,444,000 | 32,533,000 | 44,963,000 |
| Provision for loan losses | 1,255,000 | 5,176,000 | 9,056,000 | 13,873,000 |
| Pretax income | 13,217,000 | 26,493,000 | 38,996,000 | 49,463,000 |
| Income tax | 5,237,000 | 10,484,000 | 15,484,000 | 19,558,000 |
| Net income | 7,980,000 | 16,009,000 | 23,512,000 | 29,905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 196,854,000 | 204,961,000 | 212,542,000 | 219,021,000 |
| Total capital | 225,334,000 | 235,619,000 | 244,641,000 | 252,231,000 |
| Risk-weighted assets | 1,643,100,000 | 1,652,107,000 | 1,767,091,000 | 1,856,455,000 |