Call reports 2001
WESTERN STATE BANK — 2001
What WESTERN STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 241,227,000 | 261,073,000 | 269,817,000 | 265,244,000 |
| Total loans | 217,678,000 | 236,426,000 | 237,789,000 | 231,691,000 |
| Allowance for loan losses | 3,678,000 | 3,819,000 | 4,365,000 | 7,093,000 |
| Securities available for sale | 13,791,000 | 14,022,000 | 13,798,000 | 19,591,000 |
| Securities held to maturity | 305,000 | 305,000 | 305,000 | 305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,353,000 | 231,088,000 | 239,880,000 | 237,184,000 |
| Interest-bearing deposits | 198,632,000 | 218,203,000 | 225,426,000 | 222,310,000 |
| Noninterest-bearing deposits | 12,721,000 | 12,885,000 | 14,454,000 | 14,874,000 |
| Equity capital | 21,635,000 | 22,401,000 | 22,638,000 | 21,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 6,153,000 | 12,436,000 | 19,088,000 | 25,915,000 |
| Interest expense | 2,850,000 | 5,668,000 | 8,554,000 | 11,266,000 |
| Net interest income | 3,303,000 | 6,768,000 | 10,534,000 | 14,649,000 |
| Noninterest income | 677,000 | 1,215,000 | 2,128,000 | 2,759,000 |
| Noninterest expense | 2,007,000 | 4,094,000 | 6,336,000 | 8,341,000 |
| Provision for loan losses | 515,000 | 1,221,000 | 3,297,000 | 7,949,000 |
| Pretax income | 1,460,000 | 2,685,000 | 3,047,000 | 1,136,000 |
| Income tax | 524,000 | 972,000 | 1,081,000 | 355,000 |
| Net income | 936,000 | 1,713,000 | 1,966,000 | 781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,303,000 | 22,088,000 | 22,324,000 | 21,147,000 |
| Total capital | 24,319,000 | 25,134,000 | 25,413,000 | 24,144,000 |
| Risk-weighted assets | 239,841,000 | 242,925,000 | 245,817,000 | 235,654,000 |