Call reports 2011
WESTERN STATE BANK — 2011
What WESTERN STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 429,282,000 | 441,180,000 | 463,422,000 | 488,840,000 |
| Total loans | 339,639,000 | 359,467,000 | 379,736,000 | 406,996,000 |
| Allowance for loan losses | 6,474,000 | 6,667,000 | 6,864,000 | 6,980,000 |
| Securities available for sale | 42,268,000 | 38,244,000 | 39,016,000 | 46,956,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,312,000 | 392,607,000 | 402,499,000 | 427,474,000 |
| Interest-bearing deposits | 353,221,000 | 361,384,000 | 365,368,000 | 385,574,000 |
| Noninterest-bearing deposits | 29,091,000 | 31,223,000 | 37,131,000 | 41,900,000 |
| Equity capital | 40,932,000 | 42,246,000 | 54,392,000 | 55,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,892,000 | 13,910,000 | 21,198,000 | 28,819,000 |
| Interest expense | 1,384,000 | 2,772,000 | 4,158,000 | 5,550,000 |
| Net interest income | 5,508,000 | 11,138,000 | 17,040,000 | 23,269,000 |
| Noninterest income | 422,000 | 754,000 | 1,098,000 | 1,458,000 |
| Noninterest expense | 3,707,000 | 7,447,000 | 11,101,000 | 15,084,000 |
| Provision for loan losses | 935,000 | 1,374,000 | 1,769,000 | 2,073,000 |
| Pretax income | 1,299,000 | 3,082,000 | 5,279,000 | 7,583,000 |
| Income tax | 468,000 | 1,116,000 | 1,920,000 | 2,762,000 |
| Net income | 831,000 | 1,966,000 | 3,359,000 | 4,821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,608,000 | 41,747,000 | 53,947,000 | 55,413,000 |
| Total capital | 44,951,000 | 46,308,000 | 58,744,000 | 60,527,000 |
| Risk-weighted assets | 345,348,000 | 362,787,000 | 381,681,000 | 407,224,000 |