Call reports 2012
WESTERN STATE BANK — 2012
What WESTERN STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 511,863,000 | 532,263,000 | 543,949,000 | 576,362,000 |
| Total loans | 423,494,000 | 455,233,000 | 455,202,000 | 492,298,000 |
| Allowance for loan losses | 7,104,000 | 7,267,000 | 7,414,000 | 8,017,000 |
| Securities available for sale | 44,770,000 | 38,819,000 | 33,685,000 | 33,741,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 448,973,000 | 469,126,000 | 477,653,000 | 509,412,000 |
| Interest-bearing deposits | 403,141,000 | 415,689,000 | 463,564,000 | 483,553,000 |
| Noninterest-bearing deposits | 45,832,000 | 53,437,000 | 14,089,000 | 25,859,000 |
| Equity capital | 56,297,000 | 57,443,000 | 59,565,000 | 60,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,813,000 | 16,168,000 | 24,846,000 | 33,495,000 |
| Interest expense | 1,373,000 | 2,736,000 | 4,147,000 | 5,602,000 |
| Net interest income | 6,440,000 | 13,432,000 | 20,699,000 | 27,893,000 |
| Noninterest income | 327,000 | 736,000 | 2,092,000 | 2,294,000 |
| Noninterest expense | 3,894,000 | 7,824,000 | 12,233,000 | 16,832,000 |
| Provision for loan losses | 285,000 | 610,000 | 845,000 | 1,735,000 |
| Pretax income | 2,588,000 | 5,738,000 | 9,717,000 | 11,624,000 |
| Income tax | 950,000 | 2,110,000 | 3,553,000 | 4,254,000 |
| Net income | 1,638,000 | 3,628,000 | 6,164,000 | 7,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,907,000 | 56,899,000 | 59,051,000 | 59,691,000 |
| Total capital | 61,284,000 | 62,618,000 | 64,729,000 | 65,751,000 |
| Risk-weighted assets | 428,413,000 | 455,977,000 | 452,529,000 | 482,881,000 |