Call reports 2017
WESTERN STATES BANK — 2017
What WESTERN STATES BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 480,319,000 | 499,137,000 | 473,296,000 | 491,848,000 |
| Total loans | 363,595,000 | 369,940,000 | 369,550,000 | 385,101,000 |
| Allowance for loan losses | 6,046,000 | 6,036,000 | 6,042,000 | 5,932,000 |
| Securities available for sale | 24,422,000 | 19,652,000 | 21,922,000 | 26,213,000 |
| Securities held to maturity | 21,376,000 | 21,004,000 | 20,462,000 | 19,904,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 427,516,000 | 445,818,000 | 418,757,000 | 437,259,000 |
| Interest-bearing deposits | 334,933,000 | 352,636,000 | 321,168,000 | 334,907,000 |
| Noninterest-bearing deposits | 92,583,000 | 93,182,000 | 97,589,000 | 102,352,000 |
| Equity capital | 51,582,000 | 52,386,000 | 53,099,000 | 53,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,826,000 | 9,749,000 | 14,778,000 | 19,979,000 |
| Interest expense | 446,000 | 887,000 | 1,352,000 | 1,872,000 |
| Net interest income | 4,380,000 | 8,862,000 | 13,426,000 | 18,107,000 |
| Noninterest income | 493,000 | 1,154,000 | 1,745,000 | 2,264,000 |
| Noninterest expense | 3,662,000 | 7,383,000 | 11,083,000 | 15,450,000 |
| Provision for loan losses | 0 | 0 | 0 | 224,000 |
| Pretax income | 1,211,000 | 2,633,000 | 4,088,000 | 4,697,000 |
| Income tax | 350,000 | 764,000 | 1,181,000 | 827,000 |
| Net income | 861,000 | 1,869,000 | 2,907,000 | 3,870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,384,000 | 49,149,000 | 49,930,000 | 50,650,000 |
| Total capital | 53,425,000 | 54,271,000 | 54,873,000 | 55,643,000 |
| Risk-weighted assets | 402,262,000 | 408,885,000 | 394,326,000 | 398,471,000 |