Call reports 2017
WESTERN STATE BANK — 2017
What WESTERN STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 988,146,000 | 998,959,000 | 1,020,369,000 | 1,044,941,000 |
| Total loans | 839,699,000 | 867,121,000 | 874,439,000 | 912,376,000 |
| Allowance for loan losses | 14,416,000 | 13,403,000 | 14,268,000 | 14,408,000 |
| Securities available for sale | 52,938,000 | 52,739,000 | 54,118,000 | 53,151,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 870,021,000 | 882,102,000 | 897,365,000 | 914,155,000 |
| Interest-bearing deposits | 836,139,000 | 844,887,000 | 858,133,000 | 872,220,000 |
| Noninterest-bearing deposits | 33,882,000 | 37,215,000 | 39,232,000 | 41,935,000 |
| Equity capital | 100,410,000 | 102,650,000 | 105,367,000 | 104,984,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 13,789,000 | 28,084,000 | 42,946,000 | 57,904,000 |
| Interest expense | 1,922,000 | 3,939,000 | 6,033,000 | 7,876,000 |
| Net interest income | 11,867,000 | 24,145,000 | 36,913,000 | 50,028,000 |
| Noninterest income | 1,124,000 | 2,621,000 | 4,124,000 | 5,281,000 |
| Noninterest expense | 7,578,000 | 15,538,000 | 23,336,000 | 30,696,000 |
| Provision for loan losses | 1,200,000 | 2,400,000 | 3,850,000 | 4,950,000 |
| Pretax income | 4,213,000 | 8,828,000 | 13,851,000 | 19,663,000 |
| Income tax | 1,624,000 | 3,404,000 | 5,343,000 | 8,304,000 |
| Net income | 2,589,000 | 5,424,000 | 8,508,000 | 11,359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,567,000 | 102,543,000 | 105,297,000 | 105,369,000 |
| Total capital | 111,532,000 | 113,878,000 | 116,733,000 | 117,292,000 |
| Risk-weighted assets | 873,807,000 | 904,797,000 | 912,123,000 | 951,385,000 |