Call reports 2010
WESTERN STATE BANK — 2010
What WESTERN STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 405,999,000 | 409,916,000 | 405,869,000 | 419,995,000 |
| Total loans | 314,838,000 | 329,343,000 | 339,782,000 | 350,287,000 |
| Allowance for loan losses | 6,502,000 | 6,894,000 | 7,670,000 | 6,754,000 |
| Securities available for sale | 56,257,000 | 42,699,000 | 36,173,000 | 34,192,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,445,000 | 364,705,000 | 360,546,000 | 373,343,000 |
| Interest-bearing deposits | 336,954,000 | 337,356,000 | 332,018,000 | 343,472,000 |
| Noninterest-bearing deposits | 25,491,000 | 27,349,000 | 28,528,000 | 29,871,000 |
| Equity capital | 37,839,000 | 38,629,000 | 39,239,000 | 40,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,674,000 | 13,518,000 | 20,324,000 | 27,280,000 |
| Interest expense | 1,735,000 | 3,430,000 | 5,035,000 | 6,513,000 |
| Net interest income | 4,939,000 | 10,088,000 | 15,289,000 | 20,767,000 |
| Noninterest income | 532,000 | 1,264,000 | 2,079,000 | 4,260,000 |
| Noninterest expense | 3,773,000 | 7,540,000 | 11,371,000 | 15,270,000 |
| Provision for loan losses | 805,000 | 1,530,000 | 2,518,000 | 3,261,000 |
| Pretax income | 892,000 | 2,280,000 | 3,477,000 | 6,495,000 |
| Income tax | 320,000 | 833,000 | 1,256,000 | 2,365,000 |
| Net income | 572,000 | 1,447,000 | 2,221,000 | 4,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,860,000 | 37,564,000 | 38,227,000 | 40,595,000 |
| Total capital | 40,929,000 | 41,737,000 | 42,507,000 | 44,975,000 |
| Risk-weighted assets | 323,125,000 | 331,094,000 | 339,043,000 | 348,039,000 |