Call reports 2013
WESTERN STATES BANK — 2013
What WESTERN STATES BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 142,528,000 | 148,382,000 | 147,302,000 | 147,639,000 |
| Total loans | 89,992,000 | 91,611,000 | 91,943,000 | 94,258,000 |
| Allowance for loan losses | 1,657,000 | 1,657,000 | 1,659,000 | 1,659,000 |
| Securities available for sale | 10,000,000 | 0 | 0 | 0 |
| Securities held to maturity | 7,713,000 | 8,305,000 | 11,040,000 | 10,839,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,210,000 | 129,964,000 | 128,640,000 | 128,792,000 |
| Interest-bearing deposits | 96,007,000 | 93,079,000 | 93,381,000 | 93,280,000 |
| Noninterest-bearing deposits | 28,202,000 | 36,885,000 | 35,259,000 | 35,511,000 |
| Equity capital | 17,581,000 | 17,794,000 | 18,033,000 | 18,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,329,000 | 2,757,000 | 4,122,000 | 5,477,000 |
| Interest expense | 81,000 | 161,000 | 246,000 | 312,000 |
| Net interest income | 1,248,000 | 2,596,000 | 3,876,000 | 5,165,000 |
| Noninterest income | 171,000 | 312,000 | 506,000 | 673,000 |
| Noninterest expense | 1,092,000 | 2,134,000 | 3,177,000 | 4,185,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 327,000 | 752,000 | 1,183,000 | 1,631,000 |
| Income tax | 81,000 | 189,000 | 304,000 | 426,000 |
| Net income | 246,000 | 563,000 | 879,000 | 1,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,562,000 | 12,775,000 | 13,014,000 | 13,238,000 |
| Total capital | 13,668,000 | 13,941,000 | 14,191,000 | 14,449,000 |
| Risk-weighted assets | 90,227,000 | 92,786,000 | 93,676,000 | 96,404,000 |