Call reports 2006
WESTERN STATE BANK — 2006
What WESTERN STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 254,898,000 | 262,895,000 | 278,049,000 | 292,997,000 |
| Total loans | 220,018,000 | 224,740,000 | 240,915,000 | 255,797,000 |
| Allowance for loan losses | 7,400,000 | 7,561,000 | 7,578,000 | 6,840,000 |
| Securities available for sale | 26,086,000 | 28,949,000 | 28,064,000 | 26,879,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,396,000 | 219,626,000 | 228,184,000 | 249,384,000 |
| Interest-bearing deposits | 187,645,000 | 197,827,000 | 205,093,000 | 226,932,000 |
| Noninterest-bearing deposits | 19,751,000 | 21,799,000 | 23,091,000 | 22,452,000 |
| Equity capital | 28,390,000 | 29,311,000 | 30,459,000 | 31,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,970,000 | 10,285,000 | 16,009,000 | 22,164,000 |
| Interest expense | 1,577,000 | 3,398,000 | 5,535,000 | 7,967,000 |
| Net interest income | 3,393,000 | 6,887,000 | 10,474,000 | 14,197,000 |
| Noninterest income | 678,000 | 1,488,000 | 2,227,000 | 2,586,000 |
| Noninterest expense | 2,551,000 | 5,200,000 | 7,887,000 | 10,728,000 |
| Provision for loan losses | 16,000 | 16,000 | 16,000 | -859,000 |
| Pretax income | 1,504,000 | 3,140,000 | 4,767,000 | 6,858,000 |
| Income tax | 562,000 | 1,174,000 | 1,786,000 | 2,571,000 |
| Net income | 942,000 | 1,966,000 | 2,981,000 | 4,287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,277,000 | 29,254,000 | 30,202,000 | 31,086,000 |
| Total capital | 31,256,000 | 32,306,000 | 33,440,000 | 34,491,000 |
| Risk-weighted assets | 233,904,000 | 239,648,000 | 254,737,000 | 268,927,000 |