Call reports 2025
WESTERN STATE BANK — 2025
What WESTERN STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,442,258,000 | 2,412,460,000 | 2,400,051,000 | 2,558,391,000 |
| Total loans | 2,121,320,000 | 2,194,938,000 | 2,193,402,000 | 2,208,216,000 |
| Allowance for loan losses | 37,105,000 | 38,528,000 | 38,770,000 | 39,733,000 |
| Securities available for sale | 58,103,000 | 59,327,000 | 57,296,000 | 64,342,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,128,023,000 | 2,065,220,000 | 2,028,519,000 | 2,193,986,000 |
| Interest-bearing deposits | 1,964,132,000 | 1,917,092,000 | 1,667,496,000 | 1,763,658,000 |
| Noninterest-bearing deposits | 163,891,000 | 148,128,000 | 361,023,000 | 430,328,000 |
| Equity capital | 276,598,000 | 285,754,000 | 298,851,000 | 309,697,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 41,821,000 | 86,471,000 | 131,228,000 | 176,777,000 |
| Interest expense | 14,178,000 | 28,327,000 | 42,125,000 | 56,547,000 |
| Net interest income | 27,643,000 | 58,144,000 | 89,103,000 | 120,230,000 |
| Noninterest income | 2,611,000 | 4,591,000 | 7,570,000 | 10,065,000 |
| Noninterest expense | 14,574,000 | 29,233,000 | 44,207,000 | 61,107,000 |
| Provision for loan losses | 4,300,000 | 7,225,000 | 9,325,000 | 12,425,000 |
| Pretax income | 11,382,000 | 26,061,000 | 42,905,000 | 56,252,000 |
| Income tax | 2,788,000 | 6,606,000 | 10,613,000 | 12,827,000 |
| Net income | 8,594,000 | 19,455,000 | 32,292,000 | 43,425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 278,090,000 | 286,901,000 | 299,738,000 | 310,372,000 |
| Total capital | 305,467,000 | 315,127,000 | 328,098,000 | 338,849,000 |
| Risk-weighted assets | 2,179,788,000 | 2,246,973,000 | 2,257,560,000 | 2,265,803,000 |