Call reports 2016
WESTERN STATES BANK — 2016
What WESTERN STATES BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 163,994,000 | 483,523,000 | 475,465,000 | 485,325,000 |
| Total loans | 116,594,000 | 372,973,000 | 355,168,000 | 360,982,000 |
| Allowance for loan losses | 1,664,000 | 6,118,000 | 6,044,000 | 6,023,000 |
| Securities available for sale | 0 | 25,261,000 | 24,715,000 | 33,170,000 |
| Securities held to maturity | 8,001,000 | 20,874,000 | 20,426,000 | 12,965,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,098,000 | 431,581,000 | 422,788,000 | 432,548,000 |
| Interest-bearing deposits | 104,385,000 | 335,686,000 | 327,886,000 | 334,731,000 |
| Noninterest-bearing deposits | 39,713,000 | 95,895,000 | 94,902,000 | 97,816,000 |
| Equity capital | 19,762,000 | 50,933,000 | 51,281,000 | 51,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,579,000 | 3,666,000 | 7,970,000 | 13,037,000 |
| Interest expense | 84,000 | 201,000 | 624,000 | 1,071,000 |
| Net interest income | 1,495,000 | 3,465,000 | 7,346,000 | 11,966,000 |
| Noninterest income | 104,000 | 348,000 | 1,460,000 | 1,830,000 |
| Noninterest expense | 1,273,000 | 2,935,000 | 6,911,000 | 10,824,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 326,000 | 884,000 | 1,901,000 | 2,978,000 |
| Income tax | 10,000 | 51,000 | 369,000 | 691,000 |
| Net income | 316,000 | 833,000 | 1,532,000 | 2,287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,743,000 | 47,578,000 | 47,830,000 | 48,294,000 |
| Total capital | 16,204,000 | 52,587,000 | 52,675,000 | 53,226,000 |
| Risk-weighted assets | 116,639,000 | 399,680,000 | 386,428,000 | 393,492,000 |