Call reports 2009
WESTERN STATE BANK — 2009
What WESTERN STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 382,271,000 | 409,980,000 | 408,900,000 | 416,536,000 |
| Total loans | 314,385,000 | 310,005,000 | 312,785,000 | 316,919,000 |
| Allowance for loan losses | 6,897,000 | 6,863,000 | 6,940,000 | 6,823,000 |
| Securities available for sale | 28,715,000 | 31,598,000 | 30,552,000 | 53,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,232,000 | 363,418,000 | 365,389,000 | 372,704,000 |
| Interest-bearing deposits | 313,074,000 | 339,052,000 | 340,011,000 | 347,539,000 |
| Noninterest-bearing deposits | 21,158,000 | 24,366,000 | 25,378,000 | 25,165,000 |
| Equity capital | 39,191,000 | 38,137,000 | 37,613,000 | 37,623,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,812,000 | 13,579,000 | 20,293,000 | 27,270,000 |
| Interest expense | 2,534,000 | 4,914,000 | 7,448,000 | 9,596,000 |
| Net interest income | 4,278,000 | 8,665,000 | 12,845,000 | 17,674,000 |
| Noninterest income | 553,000 | 823,000 | 1,670,000 | 1,893,000 |
| Noninterest expense | 3,677,000 | 7,698,000 | 11,951,000 | 15,649,000 |
| Provision for loan losses | 1,703,000 | 3,868,000 | 5,737,000 | 6,922,000 |
| Pretax income | -543,000 | -2,042,000 | -3,137,000 | -2,968,000 |
| Income tax | -211,000 | -776,000 | -1,193,000 | -1,140,000 |
| Net income | -332,000 | -1,266,000 | -1,944,000 | -1,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,209,000 | 37,190,000 | 36,527,000 | 36,638,000 |
| Total capital | 42,257,000 | 41,286,000 | 40,616,000 | 40,795,000 |
| Risk-weighted assets | 321,027,000 | 324,889,000 | 324,300,000 | 329,895,000 |