Call reports 2002
WESTERN STATE BANK — 2002
What WESTERN STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 261,377,000 | 262,023,000 | 260,708,000 | 280,092,000 |
| Total loans | 224,072,000 | 226,894,000 | 225,907,000 | 225,458,000 |
| Allowance for loan losses | 7,902,000 | 7,894,000 | 8,152,000 | 10,061,000 |
| Securities available for sale | 30,180,000 | 28,163,000 | 25,667,000 | 44,482,000 |
| Securities held to maturity | 305,000 | 305,000 | 305,000 | 305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,043,000 | 234,205,000 | 228,471,000 | 239,856,000 |
| Interest-bearing deposits | 219,723,000 | 219,349,000 | 211,707,000 | 224,130,000 |
| Noninterest-bearing deposits | 14,320,000 | 14,856,000 | 16,764,000 | 15,726,000 |
| Equity capital | 21,228,000 | 22,048,000 | 22,268,000 | 21,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,980,000 | 11,957,000 | 17,904,000 | 23,652,000 |
| Interest expense | 2,306,000 | 4,528,000 | 6,620,000 | 8,586,000 |
| Net interest income | 3,674,000 | 7,429,000 | 11,284,000 | 15,066,000 |
| Noninterest income | 348,000 | 797,000 | 1,227,000 | 1,653,000 |
| Noninterest expense | 2,226,000 | 4,606,000 | 6,998,000 | 9,460,000 |
| Provision for loan losses | 1,279,000 | 2,011,000 | 3,522,000 | 6,589,000 |
| Pretax income | 520,000 | 1,631,000 | 2,081,000 | 789,000 |
| Income tax | 182,000 | 574,000 | 730,000 | 235,000 |
| Net income | 338,000 | 1,057,000 | 1,351,000 | 554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,964,000 | 21,625,000 | 21,868,000 | 20,819,000 |
| Total capital | 23,872,000 | 24,564,000 | 24,827,000 | 23,826,000 |
| Risk-weighted assets | 227,631,000 | 230,185,000 | 231,534,000 | 233,469,000 |