Call reports 2010
WESTERN STATES BANK — 2010
What WESTERN STATES BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 126,108,000 | 126,536,000 | 123,815,000 | 124,097,000 |
| Total loans | 79,509,000 | 75,530,000 | 73,769,000 | 79,293,000 |
| Allowance for loan losses | 1,150,000 | 1,165,000 | 1,440,000 | 1,480,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,318,000 | 6,937,000 | 7,293,000 | 6,511,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,495,000 | 110,445,000 | 107,583,000 | 107,212,000 |
| Interest-bearing deposits | 93,784,000 | 93,481,000 | 89,105,000 | 87,811,000 |
| Noninterest-bearing deposits | 16,711,000 | 16,964,000 | 18,478,000 | 19,401,000 |
| Equity capital | 15,475,000 | 15,978,000 | 16,121,000 | 16,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,418,000 | 2,778,000 | 4,161,000 | 5,561,000 |
| Interest expense | 313,000 | 597,000 | 836,000 | 1,002,000 |
| Net interest income | 1,105,000 | 2,181,000 | 3,325,000 | 4,559,000 |
| Noninterest income | 65,000 | 145,000 | 217,000 | 299,000 |
| Noninterest expense | 1,005,000 | 1,996,000 | 3,045,000 | 4,261,000 |
| Provision for loan losses | 60,000 | 120,000 | 395,000 | 435,000 |
| Pretax income | 105,000 | 210,000 | 102,000 | 162,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 105,000 | 210,000 | 102,000 | 162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,453,000 | 10,956,000 | 11,099,000 | 11,162,000 |
| Total capital | 11,453,000 | 11,943,000 | 12,085,000 | 12,159,000 |
| Risk-weighted assets | 79,812,000 | 78,755,000 | 78,452,000 | 80,023,000 |