Call reports 2014
WESTERN STATES BANK — 2014
What WESTERN STATES BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 147,592,000 | 146,212,000 | 150,765,000 | 164,434,000 |
| Total loans | 96,747,000 | 99,553,000 | 97,957,000 | 101,836,000 |
| Allowance for loan losses | 1,660,000 | 1,662,000 | 1,660,000 | 1,660,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,566,000 | 10,295,000 | 10,047,000 | 9,520,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,526,000 | 126,975,000 | 131,366,000 | 144,809,000 |
| Interest-bearing deposits | 97,853,000 | 93,640,000 | 97,497,000 | 104,474,000 |
| Noninterest-bearing deposits | 30,673,000 | 33,335,000 | 33,869,000 | 40,335,000 |
| Equity capital | 18,403,000 | 18,613,000 | 18,763,000 | 18,971,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,311,000 | 2,639,000 | 4,025,000 | 5,462,000 |
| Interest expense | 65,000 | 127,000 | 201,000 | 281,000 |
| Net interest income | 1,246,000 | 2,512,000 | 3,824,000 | 5,181,000 |
| Noninterest income | 184,000 | 332,000 | 443,000 | 574,000 |
| Noninterest expense | 1,084,000 | 2,044,000 | 3,123,000 | 4,209,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 346,000 | 800,000 | 1,144,000 | 1,546,000 |
| Income tax | 100,000 | 243,000 | 336,000 | 429,000 |
| Net income | 246,000 | 557,000 | 808,000 | 1,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,384,000 | 13,594,000 | 13,744,000 | 13,952,000 |
| Total capital | 14,629,000 | 14,868,000 | 15,004,000 | 15,268,000 |
| Risk-weighted assets | 99,149,000 | 101,536,000 | 100,395,000 | 104,896,000 |