Call reports 2004
WESTERN STATE BANK — 2004
What WESTERN STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 240,124,000 | 241,238,000 | 242,474,000 | 246,631,000 |
| Total loans | 199,744,000 | 200,870,000 | 205,848,000 | 202,604,000 |
| Allowance for loan losses | 8,172,000 | 7,964,000 | 7,408,000 | 7,599,000 |
| Securities available for sale | 34,406,000 | 33,132,000 | 29,748,000 | 28,629,000 |
| Securities held to maturity | 105,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,976,000 | 199,559,000 | 194,645,000 | 209,815,000 |
| Interest-bearing deposits | 188,070,000 | 182,231,000 | 176,869,000 | 185,340,000 |
| Noninterest-bearing deposits | 18,906,000 | 17,328,000 | 17,776,000 | 24,475,000 |
| Equity capital | 22,379,000 | 23,071,000 | 24,175,000 | 24,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,746,000 | 9,543,000 | 14,410,000 | 19,152,000 |
| Interest expense | 1,213,000 | 2,377,000 | 3,485,000 | 4,610,000 |
| Net interest income | 3,533,000 | 7,166,000 | 10,925,000 | 14,542,000 |
| Noninterest income | 568,000 | 1,176,000 | 1,744,000 | 2,464,000 |
| Noninterest expense | 2,553,000 | 5,203,000 | 7,810,000 | 10,511,000 |
| Provision for loan losses | 386,000 | 732,000 | 823,000 | 1,006,000 |
| Pretax income | 1,206,000 | 2,449,000 | 4,065,000 | 5,518,000 |
| Income tax | 442,000 | 750,000 | 1,345,000 | 1,881,000 |
| Net income | 764,000 | 1,699,000 | 2,720,000 | 3,637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,907,000 | 22,846,000 | 23,839,000 | 24,364,000 |
| Total capital | 24,529,000 | 25,481,000 | 26,530,000 | 27,034,000 |
| Risk-weighted assets | 204,221,000 | 205,434,000 | 210,542,000 | 208,708,000 |