Call reports 2016
WESTERN STATE BANK — 2016
What WESTERN STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 851,991,000 | 856,233,000 | 913,782,000 | 960,808,000 |
| Total loans | 735,788,000 | 775,830,000 | 803,348,000 | 825,958,000 |
| Allowance for loan losses | 13,541,000 | 14,069,000 | 14,553,000 | 13,907,000 |
| Securities available for sale | 44,698,000 | 37,351,000 | 47,086,000 | 53,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 742,132,000 | 746,351,000 | 796,729,000 | 845,876,000 |
| Interest-bearing deposits | 715,130,000 | 722,287,000 | 760,836,000 | 809,756,000 |
| Noninterest-bearing deposits | 27,002,000 | 24,064,000 | 35,893,000 | 36,120,000 |
| Equity capital | 91,349,000 | 95,270,000 | 98,237,000 | 97,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 12,901,000 | 26,247,000 | 40,103,000 | 54,062,000 |
| Interest expense | 1,612,000 | 3,288,000 | 5,128,000 | 7,113,000 |
| Net interest income | 11,289,000 | 22,959,000 | 34,975,000 | 46,949,000 |
| Noninterest income | 1,536,000 | 4,508,000 | 5,709,000 | 6,851,000 |
| Noninterest expense | 7,149,000 | 14,192,000 | 21,344,000 | 28,847,000 |
| Provision for loan losses | 1,075,000 | 2,250,000 | 3,300,000 | 4,150,000 |
| Pretax income | 4,615,000 | 11,039,000 | 16,070,000 | 20,833,000 |
| Income tax | 1,761,000 | 4,220,000 | 6,144,000 | 7,762,000 |
| Net income | 2,854,000 | 6,819,000 | 9,926,000 | 13,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,089,000 | 94,987,000 | 97,999,000 | 98,173,000 |
| Total capital | 100,775,000 | 105,082,000 | 108,475,000 | 108,935,000 |
| Risk-weighted assets | 771,041,000 | 803,698,000 | 834,015,000 | 857,843,000 |