Call reports 2004
WESTAMERICA BANK — 2004
What WESTAMERICA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 4,391,870,000 | 4,584,732,000 | 4,606,917,000 | 4,708,628,000 |
| Total loans | 2,322,881,000 | 2,319,255,000 | 2,301,990,000 | 2,300,230,000 |
| Allowance for loan losses | 53,623,000 | 50,885,000 | 51,523,000 | 51,293,000 |
| Securities available for sale | 1,211,753,000 | 1,017,236,000 | 959,358,000 | 923,255,000 |
| Securities held to maturity | 586,172,000 | 960,522,000 | 1,080,392,000 | 1,260,832,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,453,204,000 | 3,515,727,000 | 3,653,321,000 | 3,595,486,000 |
| Interest-bearing deposits | 2,710,490,000 | 2,723,920,000 | 2,836,290,000 | 2,795,233,000 |
| Noninterest-bearing deposits | 742,714,000 | 791,807,000 | 817,031,000 | 800,253,000 |
| Equity capital | 336,137,000 | 314,331,000 | 323,829,000 | 321,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 54,313,000 | 107,488,000 | 161,298,000 | 215,953,000 |
| Interest expense | 5,191,000 | 9,477,000 | 14,246,000 | 19,956,000 |
| Net interest income | 49,122,000 | 98,011,000 | 147,052,000 | 195,997,000 |
| Noninterest income | 10,793,000 | 22,362,000 | 34,070,000 | 45,068,000 |
| Noninterest expense | 27,291,000 | 53,293,000 | 79,004,000 | 103,867,000 |
| Provision for loan losses | 750,000 | 1,712,000 | 2,312,000 | 2,912,000 |
| Pretax income | 33,662,000 | 67,551,000 | 101,975,000 | 129,275,000 |
| Income tax | 9,731,000 | 19,635,000 | 29,782,000 | 36,752,000 |
| Net income | 23,931,000 | 47,916,000 | 72,193,000 | 92,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 289,910,000 | 290,847,000 | 291,209,000 | 287,497,000 |
| Total capital | 334,573,000 | 333,937,000 | 333,906,000 | 330,288,000 |
| Risk-weighted assets | 2,941,344,000 | 2,943,136,000 | 2,910,358,000 | 2,917,253,000 |