Call reports 2015
WESTERN STATE BANK — 2015
What WESTERN STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 771,396,000 | 768,693,000 | 786,117,000 | 831,999,000 |
| Total loans | 677,409,000 | 703,079,000 | 721,839,000 | 744,128,000 |
| Allowance for loan losses | 12,421,000 | 12,528,000 | 12,208,000 | 12,907,000 |
| Securities available for sale | 37,470,000 | 39,440,000 | 40,628,000 | 43,312,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 681,527,000 | 673,799,000 | 676,941,000 | 729,063,000 |
| Interest-bearing deposits | 656,283,000 | 647,705,000 | 654,547,000 | 701,907,000 |
| Noninterest-bearing deposits | 25,244,000 | 26,094,000 | 22,394,000 | 27,156,000 |
| Equity capital | 76,802,000 | 81,595,000 | 84,689,000 | 89,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 11,457,000 | 23,181,000 | 35,355,000 | 47,829,000 |
| Interest expense | 1,484,000 | 2,972,000 | 4,494,000 | 6,066,000 |
| Net interest income | 9,973,000 | 20,209,000 | 30,861,000 | 41,763,000 |
| Noninterest income | 1,203,000 | 2,424,000 | 3,758,000 | 5,378,000 |
| Noninterest expense | 6,115,000 | 12,476,000 | 18,980,000 | 25,837,000 |
| Provision for loan losses | 690,000 | 1,180,000 | 1,640,000 | 2,890,000 |
| Pretax income | 4,371,000 | 8,977,000 | 13,999,000 | 18,422,000 |
| Income tax | 1,646,000 | 3,516,000 | 5,536,000 | 7,026,000 |
| Net income | 2,725,000 | 5,461,000 | 8,463,000 | 11,396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,578,000 | 81,448,000 | 84,387,000 | 89,527,000 |
| Total capital | 85,382,000 | 90,470,000 | 93,900,000 | 99,317,000 |
| Risk-weighted assets | 701,313,000 | 718,280,000 | 758,375,000 | 780,070,000 |