Call reports 2021
WESTERN STATES BANK — 2021
What WESTERN STATES BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 532,136,000 | 532,263,000 | 541,831,000 | 535,347,000 |
| Total loans | 368,543,000 | 355,399,000 | 340,264,000 | 351,130,000 |
| Allowance for loan losses | 6,424,000 | 6,521,000 | 6,494,000 | 6,396,000 |
| Securities available for sale | 70,734,000 | 76,608,000 | 72,106,000 | 70,185,000 |
| Securities held to maturity | 10,135,000 | 13,125,000 | 23,206,000 | 31,816,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 479,152,000 | 477,259,000 | 486,220,000 | 480,794,000 |
| Interest-bearing deposits | 324,021,000 | 320,271,000 | 323,420,000 | 335,794,000 |
| Noninterest-bearing deposits | 155,131,000 | 156,988,000 | 162,800,000 | 145,000,000 |
| Equity capital | 51,899,000 | 53,754,000 | 54,312,000 | 53,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,350,000 | 10,670,000 | 15,188,000 | 19,821,000 |
| Interest expense | 410,000 | 769,000 | 1,078,000 | 1,387,000 |
| Net interest income | 4,940,000 | 9,901,000 | 14,110,000 | 18,434,000 |
| Noninterest income | 423,000 | 875,000 | 1,524,000 | 1,982,000 |
| Noninterest expense | 3,378,000 | 6,924,000 | 10,366,000 | 15,019,000 |
| Provision for loan losses | 75,000 | 125,000 | 125,000 | 125,000 |
| Pretax income | 1,910,000 | 3,727,000 | 5,143,000 | 5,272,000 |
| Income tax | 313,000 | 658,000 | 900,000 | 851,000 |
| Net income | 1,597,000 | 3,069,000 | 4,243,000 | 4,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,950,000 | 52,425,000 | 53,144,000 | 52,602,000 |
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