Call reports 2011
WESTERN STATES BANK — 2011
What WESTERN STATES BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 126,137,000 | 124,481,000 | 131,984,000 | 131,137,000 |
| Total loans | 79,801,000 | 83,400,000 | 88,420,000 | 91,568,000 |
| Allowance for loan losses | 1,520,000 | 1,540,000 | 1,570,000 | 1,597,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,673,000 | 4,596,000 | 4,703,000 | 3,621,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,241,000 | 107,393,000 | 114,667,000 | 113,384,000 |
| Interest-bearing deposits | 90,756,000 | 87,111,000 | 92,015,000 | 89,900,000 |
| Noninterest-bearing deposits | 18,485,000 | 20,282,000 | 22,652,000 | 23,484,000 |
| Equity capital | 16,295,000 | 16,480,000 | 16,566,000 | 16,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,344,000 | 2,699,000 | 4,129,000 | 5,547,000 |
| Interest expense | 148,000 | 280,000 | 405,000 | 519,000 |
| Net interest income | 1,196,000 | 2,419,000 | 3,724,000 | 5,028,000 |
| Noninterest income | 145,000 | 321,000 | 461,000 | 590,000 |
| Noninterest expense | 1,069,000 | 2,147,000 | 3,253,000 | 4,237,000 |
| Provision for loan losses | 40,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 232,000 | 533,000 | 842,000 | 1,261,000 |
| Income tax | 0 | 0 | 107,000 | 261,000 |
| Net income | 232,000 | 533,000 | 735,000 | 1,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,276,000 | 11,461,000 | 11,547,000 | 11,698,000 |
| Total capital | 12,254,000 | 12,464,000 | 12,602,000 | 12,782,000 |
| Risk-weighted assets | 77,690,000 | 79,721,000 | 83,363,000 | 86,203,000 |