Call reports 2015
WESTERN STATES BANK — 2015
What WESTERN STATES BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 167,085,000 | 172,485,000 | 163,638,000 | 173,735,000 |
| Total loans | 101,594,000 | 105,290,000 | 109,639,000 | 115,296,000 |
| Allowance for loan losses | 1,677,000 | 1,683,000 | 1,680,000 | 1,664,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,224,000 | 8,745,000 | 8,524,000 | 8,167,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,700,000 | 152,896,000 | 143,923,000 | 153,952,000 |
| Interest-bearing deposits | 107,727,000 | 113,928,000 | 106,835,000 | 115,699,000 |
| Noninterest-bearing deposits | 39,972,000 | 38,968,000 | 37,088,000 | 38,253,000 |
| Equity capital | 19,172,000 | 19,424,000 | 19,549,000 | 19,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,377,000 | 2,884,000 | 4,431,000 | 6,031,000 |
| Interest expense | 79,000 | 160,000 | 232,000 | 311,000 |
| Net interest income | 1,298,000 | 2,724,000 | 4,199,000 | 5,720,000 |
| Noninterest income | 158,000 | 279,000 | 408,000 | 529,000 |
| Noninterest expense | 1,018,000 | 2,075,000 | 3,223,000 | 4,378,000 |
| Provision for loan losses | 15,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 423,000 | 908,000 | 1,364,000 | 1,851,000 |
| Income tax | 122,000 | 258,000 | 392,000 | 541,000 |
| Net income | 301,000 | 650,000 | 972,000 | 1,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,153,000 | 14,405,000 | 14,530,000 | 14,622,000 |
| Total capital | 15,458,000 | 15,718,000 | 15,910,000 | 16,080,000 |
| Risk-weighted assets | 104,093,000 | 104,638,000 | 110,108,000 | 116,460,000 |