Call reports 2019
WESTERN STATE BANK — 2019
What WESTERN STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,150,826,000 | 1,203,886,000 | 1,242,669,000 | 1,286,460,000 |
| Total loans | 972,781,000 | 1,045,887,000 | 1,062,302,000 | 1,099,397,000 |
| Allowance for loan losses | 16,599,000 | 17,982,000 | 18,035,000 | 18,410,000 |
| Securities available for sale | 56,308,000 | 62,551,000 | 61,132,000 | 56,447,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 971,707,000 | 1,025,083,000 | 1,052,894,000 | 1,094,537,000 |
| Interest-bearing deposits | 903,298,000 | 957,706,000 | 984,709,000 | 1,014,273,000 |
| Noninterest-bearing deposits | 68,409,000 | 67,377,000 | 68,185,000 | 80,264,000 |
| Equity capital | 124,967,000 | 125,817,000 | 131,238,000 | 135,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 16,421,000 | 33,851,000 | 52,545,000 | 71,334,000 |
| Interest expense | 3,005,000 | 6,632,000 | 10,693,000 | 14,674,000 |
| Net interest income | 13,416,000 | 27,219,000 | 41,852,000 | 56,660,000 |
| Noninterest income | 1,904,000 | 3,838,000 | 6,458,000 | 8,331,000 |
| Noninterest expense | 8,119,000 | 17,049,000 | 25,660,000 | 34,084,000 |
| Provision for loan losses | 975,000 | 2,870,000 | 3,960,000 | 5,520,000 |
| Pretax income | 6,226,000 | 11,138,000 | 18,690,000 | 25,387,000 |
| Income tax | 1,532,000 | 2,736,000 | 4,592,000 | 5,981,000 |
| Net income | 4,694,000 | 8,402,000 | 14,098,000 | 19,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 125,192,000 | 125,724,000 | 131,090,000 | 135,669,000 |
| Total capital | 138,091,000 | 139,587,000 | 145,026,000 | 150,179,000 |
| Risk-weighted assets | 1,027,807,000 | 1,104,476,000 | 1,110,397,000 | 1,156,206,000 |