Call reports 2018
WESTERN STATE BANK — 2018
What WESTERN STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,004,332,000 | 1,020,225,000 | 1,048,804,000 | 1,097,329,000 |
| Total loans | 890,728,000 | 930,617,000 | 947,811,000 | 980,592,000 |
| Allowance for loan losses | 15,072,000 | 15,348,000 | 16,063,000 | 16,020,000 |
| Securities available for sale | 52,355,000 | 51,704,000 | 51,135,000 | 51,217,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 869,765,000 | 863,341,000 | 879,485,000 | 920,693,000 |
| Interest-bearing deposits | 829,360,000 | 816,230,000 | 841,804,000 | 881,125,000 |
| Noninterest-bearing deposits | 40,405,000 | 47,111,000 | 37,681,000 | 39,568,000 |
| Equity capital | 109,534,000 | 112,369,000 | 115,929,000 | 121,249,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 14,869,000 | 30,465,000 | 46,551,000 | 63,800,000 |
| Interest expense | 1,896,000 | 3,916,000 | 6,372,000 | 9,169,000 |
| Net interest income | 12,973,000 | 26,549,000 | 40,179,000 | 54,631,000 |
| Noninterest income | 2,632,000 | 3,647,000 | 5,011,000 | 6,277,000 |
| Noninterest expense | 7,916,000 | 16,168,000 | 24,136,000 | 32,114,000 |
| Provision for loan losses | 940,000 | 1,880,000 | 3,245,000 | 3,960,000 |
| Pretax income | 6,749,000 | 12,148,000 | 17,809,000 | 24,834,000 |
| Income tax | 1,659,000 | 2,992,000 | 4,383,000 | 5,702,000 |
| Net income | 5,090,000 | 9,156,000 | 13,426,000 | 19,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 110,277,000 | 113,193,000 | 116,839,000 | 121,822,000 |
| Total capital | 121,948,000 | 125,446,000 | 129,323,000 | 134,784,000 |
| Risk-weighted assets | 930,286,000 | 977,216,000 | 995,176,000 | 1,033,489,000 |