Call reports 2005
WESTERN STATE BANK — 2005
What WESTERN STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 241,791,000 | 240,423,000 | 246,136,000 | 245,492,000 |
| Total loans | 194,920,000 | 202,765,000 | 207,147,000 | 212,430,000 |
| Allowance for loan losses | 7,709,000 | 7,971,000 | 7,884,000 | 7,347,000 |
| Securities available for sale | 30,369,000 | 30,129,000 | 29,774,000 | 26,334,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,341,000 | 196,661,000 | 203,188,000 | 207,519,000 |
| Interest-bearing deposits | 182,528,000 | 176,084,000 | 183,420,000 | 185,530,000 |
| Noninterest-bearing deposits | 20,813,000 | 20,577,000 | 19,768,000 | 21,989,000 |
| Equity capital | 25,361,000 | 26,449,000 | 27,642,000 | 28,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,749,000 | 9,514,000 | 14,245,000 | 19,140,000 |
| Interest expense | 1,163,000 | 2,362,000 | 3,732,000 | 5,183,000 |
| Net interest income | 3,586,000 | 7,152,000 | 10,513,000 | 13,957,000 |
| Noninterest income | 597,000 | 1,496,000 | 2,579,000 | 3,274,000 |
| Noninterest expense | 2,579,000 | 5,239,000 | 7,720,000 | 10,373,000 |
| Provision for loan losses | 74,000 | 290,000 | 324,000 | 352,000 |
| Pretax income | 1,550,000 | 3,139,000 | 5,068,000 | 6,526,000 |
| Income tax | 573,000 | 1,160,000 | 1,873,000 | 2,411,000 |
| Net income | 977,000 | 1,979,000 | 3,195,000 | 4,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,259,000 | 26,265,000 | 27,484,000 | 28,032,000 |
| Total capital | 27,857,000 | 28,931,000 | 30,216,000 | 30,847,000 |
| Risk-weighted assets | 202,704,000 | 207,994,000 | 213,415,000 | 220,656,000 |