Call reports 2013
WESTERN STATE BANK — 2013
What WESTERN STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 584,615,000 | 619,836,000 | 646,359,000 | 688,805,000 |
| Total loans | 497,461,000 | 542,689,000 | 568,721,000 | 587,623,000 |
| Allowance for loan losses | 8,571,000 | 9,092,000 | 10,639,000 | 10,860,000 |
| Securities available for sale | 33,043,000 | 37,483,000 | 39,684,000 | 40,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 516,173,000 | 550,446,000 | 572,705,000 | 613,063,000 |
| Interest-bearing deposits | 500,887,000 | 526,397,000 | 552,162,000 | 594,136,000 |
| Noninterest-bearing deposits | 15,286,000 | 24,049,000 | 20,543,000 | 18,927,000 |
| Equity capital | 60,830,000 | 61,596,000 | 64,278,000 | 66,415,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 8,701,000 | 18,008,000 | 27,725,000 | 37,892,000 |
| Interest expense | 1,355,000 | 2,742,000 | 4,160,000 | 5,603,000 |
| Net interest income | 7,346,000 | 15,266,000 | 23,565,000 | 32,289,000 |
| Noninterest income | 366,000 | 2,331,000 | 4,743,000 | 5,902,000 |
| Noninterest expense | 4,387,000 | 9,237,000 | 14,277,000 | 19,921,000 |
| Provision for loan losses | 863,000 | 1,725,000 | 3,438,000 | 3,808,000 |
| Pretax income | 2,462,000 | 6,635,000 | 10,593,000 | 14,462,000 |
| Income tax | 907,000 | 2,450,000 | 3,913,000 | 5,056,000 |
| Net income | 1,555,000 | 4,185,000 | 6,680,000 | 9,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,388,000 | 61,638,000 | 64,144,000 | 66,380,000 |
| Total capital | 66,558,000 | 68,349,000 | 71,290,000 | 73,709,000 |
| Risk-weighted assets | 491,235,000 | 534,469,000 | 568,149,000 | 582,772,000 |