Call reports 2012
WESTERN STATES BANK — 2012
What WESTERN STATES BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 130,344,000 | 129,989,000 | 135,095,000 | 142,022,000 |
| Total loans | 89,785,000 | 93,459,000 | 88,502,000 | 88,638,000 |
| Allowance for loan losses | 1,606,000 | 1,636,000 | 1,656,000 | 1,656,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,049,000 | 4,367,000 | 5,283,000 | 6,829,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,823,000 | 112,281,000 | 117,219,000 | 123,814,000 |
| Interest-bearing deposits | 89,233,000 | 88,261,000 | 91,086,000 | 93,629,000 |
| Noninterest-bearing deposits | 23,590,000 | 24,019,000 | 26,133,000 | 30,185,000 |
| Equity capital | 16,814,000 | 17,083,000 | 17,243,000 | 17,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,370,000 | 2,774,000 | 4,181,000 | 5,602,000 |
| Interest expense | 106,000 | 201,000 | 293,000 | 378,000 |
| Net interest income | 1,264,000 | 2,573,000 | 3,888,000 | 5,224,000 |
| Noninterest income | 139,000 | 287,000 | 428,000 | 631,000 |
| Noninterest expense | 1,052,000 | 2,111,000 | 3,121,000 | 4,202,000 |
| Provision for loan losses | 30,000 | 60,000 | 80,000 | 80,000 |
| Pretax income | 321,000 | 689,000 | 1,115,000 | 1,573,000 |
| Income tax | 111,000 | 247,000 | 397,000 | 553,000 |
| Net income | 210,000 | 442,000 | 718,000 | 1,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,795,000 | 12,064,000 | 12,224,000 | 12,419,000 |
| Total capital | 12,958,000 | 13,258,000 | 13,416,000 | 13,605,000 |
| Risk-weighted assets | 92,590,000 | 96,011,000 | 94,906,000 | 94,392,000 |