Call reports 2019
WESTERN STATES BANK — 2019
What WESTERN STATES BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 462,520,000 | 467,381,000 | 473,121,000 | 471,058,000 |
| Total loans | 346,540,000 | 333,828,000 | 329,260,000 | 332,841,000 |
| Allowance for loan losses | 6,356,000 | 6,355,000 | 6,294,000 | 6,280,000 |
| Securities available for sale | 32,428,000 | 35,999,000 | 36,288,000 | 40,623,000 |
| Securities held to maturity | 18,227,000 | 17,753,000 | 17,332,000 | 12,511,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,724,000 | 408,027,000 | 413,047,000 | 410,476,000 |
| Interest-bearing deposits | 314,283,000 | 314,799,000 | 312,534,000 | 306,350,000 |
| Noninterest-bearing deposits | 89,441,000 | 93,228,000 | 100,513,000 | 104,126,000 |
| Equity capital | 57,094,000 | 58,171,000 | 58,991,000 | 59,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,363,000 | 10,685,000 | 15,866,000 | 21,133,000 |
| Interest expense | 997,000 | 1,898,000 | 2,865,000 | 3,732,000 |
| Net interest income | 4,366,000 | 8,787,000 | 13,001,000 | 17,401,000 |
| Noninterest income | 3,401,000 | 3,646,000 | 4,077,000 | 4,767,000 |
| Noninterest expense | 3,874,000 | 7,338,000 | 10,766,000 | 14,926,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,893,000 | 4,936,000 | 6,153,000 | 7,083,000 |
| Income tax | 783,000 | 988,000 | 1,228,000 | 1,162,000 |
| Net income | 3,110,000 | 3,948,000 | 4,925,000 | 5,921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,040,000 | 56,678,000 | 57,506,000 | 58,343,000 |
| Total capital | 60,685,000 | 61,260,000 | 62,068,000 | 63,027,000 |
| Risk-weighted assets | 369,952,000 | 364,834,000 | 363,301,000 | 373,130,000 |
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