Call reports 2018
WESTERN STATES BANK — 2018
What WESTERN STATES BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 500,334,000 | 519,757,000 | 519,452,000 | 491,521,000 |
| Total loans | 384,673,000 | 389,567,000 | 388,238,000 | 392,130,000 |
| Allowance for loan losses | 6,085,000 | 6,158,000 | 6,388,000 | 6,374,000 |
| Securities available for sale | 28,525,000 | 30,432,000 | 33,211,000 | 34,662,000 |
| Securities held to maturity | 19,803,000 | 19,020,000 | 18,409,000 | 18,284,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 445,684,000 | 464,124,000 | 463,172,000 | 433,704,000 |
| Interest-bearing deposits | 341,982,000 | 369,134,000 | 372,910,000 | 342,352,000 |
| Noninterest-bearing deposits | 103,702,000 | 94,990,000 | 90,262,000 | 91,352,000 |
| Equity capital | 53,740,000 | 54,550,000 | 55,187,000 | 56,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,425,000 | 10,833,000 | 16,553,000 | 22,546,000 |
| Interest expense | 600,000 | 1,334,000 | 2,245,000 | 3,295,000 |
| Net interest income | 4,825,000 | 9,499,000 | 14,308,000 | 19,251,000 |
| Noninterest income | 513,000 | 1,083,000 | 1,647,000 | 2,198,000 |
| Noninterest expense | 3,786,000 | 7,497,000 | 11,334,000 | 15,088,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 450,000 |
| Pretax income | 1,402,000 | 2,785,000 | 4,171,000 | 5,911,000 |
| Income tax | 267,000 | 553,000 | 833,000 | 901,000 |
| Net income | 1,135,000 | 2,232,000 | 3,338,000 | 5,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,125,000 | 52,049,000 | 52,933,000 | 54,177,000 |
| Total capital | 56,192,000 | 57,281,000 | 58,017,000 | 59,241,000 |
| Risk-weighted assets | 404,382,000 | 417,600,000 | 405,386,000 | 403,811,000 |
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