Call reports 2009
WESTERN STATES BANK — 2009
What WESTERN STATES BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 128,125,000 | 133,231,000 | 134,630,000 | 127,268,000 |
| Total loans | 79,742,000 | 83,850,000 | 84,548,000 | 80,784,000 |
| Allowance for loan losses | 972,000 | 997,000 | 1,032,000 | 1,088,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,259,000 | 3,999,000 | 4,000,000 | 4,725,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,227,000 | 117,718,000 | 118,902,000 | 111,655,000 |
| Interest-bearing deposits | 97,261,000 | 100,328,000 | 101,528,000 | 94,717,000 |
| Noninterest-bearing deposits | 15,966,000 | 17,390,000 | 17,374,000 | 16,938,000 |
| Equity capital | 14,583,000 | 15,154,000 | 15,454,000 | 15,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,578,000 | 3,175,000 | 4,799,000 | 6,322,000 |
| Interest expense | 485,000 | 977,000 | 1,434,000 | 1,818,000 |
| Net interest income | 1,093,000 | 2,198,000 | 3,365,000 | 4,504,000 |
| Noninterest income | 69,000 | 130,000 | 192,000 | 252,000 |
| Noninterest expense | 981,000 | 1,955,000 | 2,940,000 | 3,904,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 150,000 |
| Pretax income | 151,000 | 313,000 | 527,000 | 702,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 151,000 | 313,000 | 527,000 | 702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,561,000 | 10,132,000 | 10,432,000 | 10,438,000 |
| Total capital | 10,533,000 | 11,129,000 | 11,464,000 | 11,526,000 |
| Risk-weighted assets | 86,737,000 | 94,728,000 | 96,770,000 | 91,039,000 |